Kerndt Brothers Savings Bank
Kerndt Brothers Savings Bank received 55 applications in 2025 and made 37 mortgages, in 16 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $175,000. Of 49 decisions, 11 were denials — 22.5%.
| Legal Entity Identifier | 549300C1FRYGOIEXG035 |
|---|---|
| Applications received | 55 |
| Mortgages made | 37 |
| Denied | 11 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 6 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Kerndt Brothers Savings Bank, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 25 | Not published | $185,000 | 24.2% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where Kerndt Brothers Savings Bank lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Allamakee County, IA | 10 | Not published | 21.4% |
| Fayette County, IA | 8 | Under 10 loans | 27.3% |
| Dubuque County, IA | 4 | Under 10 loans | 0.0% |
| Winneshiek County, IA | 4 | Under 10 loans | 20.0% |
| Crawford County, WI | 3 | Under 10 loans | 25.0% |
| Clayton County, IA | 2 | Under 10 loans | 0.0% |
| Jo Daviess County, IL | 1 | Under 10 loans | 0.0% |
| Johnson County, IA | 1 | Under 10 loans | 0.0% |
| Polk County, IA | 1 | Under 10 loans | 50.0% |
| Houston County, MN | 1 | Under 10 loans | 0.0% |
| Vernon County, WI | 1 | Under 10 loans | 0.0% |
| Washburn County, WI | 1 | Under 10 loans | 0.0% |
| Bremer County, IA | 0 | Under 10 loans | Not published |
| Clinton County, IA | 0 | Under 10 loans | 100.0% |
| Howard County, IA | 0 | Under 10 loans | 100.0% |
| Linn County, IA | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.