Prospect Bank
Prospect Bank received 73 applications in 2025 and made 58 mortgages, in 16 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $125,000. Of 73 decisions, 13 were denials — 17.8%. 4 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300QWYPPH283K6R36 |
|---|---|
| Applications received | 73 |
| Mortgages made | 58 |
| Denied | 13 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Prospect Bank, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 35 | Not published | $145,000 | 20.0% |
| Refinancing | 10 | Not published | $140,000 | 21.4% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 0.0% |
Where Prospect 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 |
|---|---|---|---|
| Edgar County, IL | 14 | Not published | 12.5% |
| Champaign County, IL | 13 | Not published | 27.8% |
| Vigo County, IN | 11 | Not published | 8.3% |
| Coles County, IL | 3 | Under 10 loans | 25.0% |
| Vermilion County, IL | 3 | Under 10 loans | 0.0% |
| Clark County, IL | 2 | Under 10 loans | 0.0% |
| Iroquois County, IL | 2 | Under 10 loans | 0.0% |
| Clay County, IN | 2 | Under 10 loans | 0.0% |
| Vermillion County, IN | 2 | Under 10 loans | 0.0% |
| Glynn County, GA | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Douglas County, IL | 1 | Under 10 loans | 0.0% |
| Macon County, IL | 1 | Under 10 loans | 50.0% |
| Bartholomew County, IN | 1 | Under 10 loans | 0.0% |
| Marion County, IN | 1 | Under 10 loans | 0.0% |
| Knox County, IN | 0 | Under 10 loans | 0.0% |
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When Prospect Bank’s figures are published for the next year, or restated.
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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.