Providence Bank & Trust
Providence Bank & Trust received 149 applications in 2025 and made 112 mortgages, in 35 counties across 8 states. The median rate its borrowers got was 6.875% on a median loan of $425,000. Of 140 decisions, 12 were denials — 8.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300GY0I1WYYWYFS47 |
|---|---|
| Applications received | 149 |
| Mortgages made | 112 |
| Denied | 12 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.377 points |
| FDIC-insured bank | Yes: Providence Bank & Trust, 16 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 76 | 6.875% | $445,000 | 2.2% |
| Refinancing | 24 | 6.650% | $480,000 | 16.1% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 10 | 7.625% | $225,000 | 15.4% |
Where Providence Bank & Trust lends most
The 35 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cook County, IL | 52 | 6.875% | 12.5% |
| Lake County, IN | 15 | 6.750% | 8.3% |
| Will County, IL | 7 | Under 10 loans | 0.0% |
| DuPage County, IL | 5 | Under 10 loans | 0.0% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Kane County, IL | 2 | Under 10 loans | 0.0% |
| LaSalle County, IL | 2 | Under 10 loans | 33.3% |
| Porter County, IN | 2 | Under 10 loans | 0.0% |
| Genesee County, MI | 2 | Under 10 loans | 0.0% |
| Fayette County, OH | 2 | Under 10 loans | 0.0% |
| Christian County, IL | 1 | Under 10 loans | 0.0% |
| Coles County, IL | 1 | Under 10 loans | 0.0% |
| Kankakee County, IL | 1 | Under 10 loans | 0.0% |
| Kendall County, IL | 1 | Under 10 loans | 0.0% |
| Sangamon County, IL | 1 | Under 10 loans | 0.0% |
| Vermilion County, IL | 1 | Under 10 loans | 0.0% |
| Winnebago County, IL | 1 | Under 10 loans | 0.0% |
| Elkhart County, IN | 1 | Under 10 loans | 0.0% |
| Kosciusko County, IN | 1 | Under 10 loans | 0.0% |
| Madison County, IN | 1 | Under 10 loans | 0.0% |
| Marshall County, IN | 1 | Under 10 loans | 0.0% |
| Vigo County, IN | 1 | Under 10 loans | 0.0% |
| Allegan County, MI | 1 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 1 | Under 10 loans | 0.0% |
| Van Buren County, MI | 1 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| Franklin County, NC | 1 | Under 10 loans | 0.0% |
| Carroll County, OH | 1 | Under 10 loans | 0.0% |
| Henry County, OH | 1 | Under 10 loans | 0.0% |
| Summit County, OH | 1 | Under 10 loans | 0.0% |
| Fond du Lac County, WI | 1 | Under 10 loans | 50.0% |
| Grundy County, IL | 0 | Under 10 loans | 0.0% |
| Johnson County, IN | 0 | Under 10 loans | Not published |
| Livingston County, MI | 0 | Under 10 loans | 0.0% |
| Mason County, MI | 0 | Under 10 loans | 0.0% |
Get told when this changes
When Providence Bank & Trust’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.