The Harvard State Bank
The Harvard State Bank received 36 applications in 2025 and made 29 mortgages, in 10 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $215,000. Of 32 decisions, 3 were denials — 9.4%.
| Legal Entity Identifier | 549300TUISK0W7DE2464 |
|---|---|
| Applications received | 36 |
| Mortgages made | 29 |
| Denied | 3 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The Harvard State Bank, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 18 | Not published | $185,000 | 10.0% |
| Refinancing | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where The Harvard State Bank lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| McHenry County, IL | 8 | Under 10 loans | 20.0% |
| Walworth County, WI | 5 | Under 10 loans | 0.0% |
| Kane County, IL | 3 | Under 10 loans | 0.0% |
| Ogle County, IL | 3 | Under 10 loans | 25.0% |
| Milwaukee County, WI | 3 | Under 10 loans | 0.0% |
| Boone County, IL | 2 | Under 10 loans | 0.0% |
| Cook County, IL | 2 | Under 10 loans | 0.0% |
| Winnebago County, IL | 1 | Under 10 loans | 0.0% |
| Racine County, WI | 1 | Under 10 loans | 0.0% |
| Rock County, WI | 1 | Under 10 loans | 0.0% |
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When The Harvard State 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.