Wheaton Bank & Trust, N.A.
Wheaton Bank & Trust, N.A. received 123 applications in 2025 and made 97 mortgages, in 40 counties across 14 states. The median rate its borrowers got was Not published on a median loan of $905,000. Of 105 decisions, 7 were denials — 6.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300S5LHMBX3WRT314 |
|---|---|
| Applications received | 123 |
| Mortgages made | 97 |
| Denied | 7 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 6 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Wheaton Bank & Trust, National Association, 8 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 58 | Not published | $865,000 | 4.8% |
| Refinancing | 31 | Not published | $915,000 | 0.0% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Other purposes | 0 | Under 10 loans | Under 10 loans | 100.0% |
Where Wheaton Bank & Trust, N.A. lends most
The 40 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| DuPage County, IL | 33 | Not published | 10.8% |
| Will County, IL | 10 | Not published | 0.0% |
| Los Angeles County, CA | 5 | Under 10 loans | 0.0% |
| San Mateo County, CA | 4 | Under 10 loans | 0.0% |
| Cook County, IL | 4 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 3 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 3 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 3 | Under 10 loans | 0.0% |
| Polk County, IA | 3 | Under 10 loans | 0.0% |
| Wake County, NC | 3 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 2 | Under 10 loans | 0.0% |
| Grand Forks County, ND | 2 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Fresno County, CA | 1 | Under 10 loans | 0.0% |
| Kern County, CA | 1 | Under 10 loans | 0.0% |
| Marin County, CA | 1 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 1 | Under 10 loans | 0.0% |
| San Francisco County, CA | 1 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 1 | Under 10 loans | 0.0% |
| Solano County, CA | 1 | Under 10 loans | 0.0% |
| Ventura County, CA | 1 | Under 10 loans | 0.0% |
| Valley County, ID | 1 | Under 10 loans | 0.0% |
| Kane County, IL | 1 | Under 10 loans | 0.0% |
| Putnam County, IL | 1 | Under 10 loans | 0.0% |
| Dubuque County, IA | 1 | Under 10 loans | 0.0% |
| Warren County, IA | 1 | Under 10 loans | 0.0% |
| Ottawa County, MI | 1 | Under 10 loans | 0.0% |
| Chisago County, MN | 1 | Under 10 loans | 0.0% |
| St. Louis County, MO | 1 | Under 10 loans | 0.0% |
| Flathead County, MT | 1 | Under 10 loans | 0.0% |
| Dane County, WI | 1 | Under 10 loans | 0.0% |
| Vilas County, WI | 1 | Under 10 loans | 0.0% |
| Teton County, WY | 1 | Under 10 loans | 0.0% |
| Mohave County, AZ | 0 | Under 10 loans | 100.0% |
| Orange County, CA | 0 | Under 10 loans | Not published |
| LaSalle County, IL | 0 | Under 10 loans | Not published |
| Hennepin County, MN | 0 | Under 10 loans | 100.0% |
| Ward County, ND | 0 | Under 10 loans | Not published |
| St. Croix County, WI | 0 | Under 10 loans | 100.0% |
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When Wheaton Bank & Trust, N.A.’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.