Bank of Pontiac mortgage approval rate & lending review
Bank of Pontiac decided 357 mortgage applications and funded 336 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bank of Pontiac reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bank of Pontiac at a glance
Approval is 14.8 points above the 83.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 71 / 73 | 94% | $145K | 67 |
| Cash-out refinance | 89% | 25 / 28 | 92% | $155K | 23 |
| Investment property purchase | 99% | 174 / 175 | 98% | $145K | 171 |
| Investment refinance | 98% | 53 / 54 | 94% | $205K | 50 |
Bank of Pontiac lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Bank of Pontiac lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lake County, IN | Investment property purchase | 100% | 75 | 75 |
| McLean County, IL | Mortgage lenders | 98% | 46 | 42 |
| McLean County, IL | Investment property purchase | 97% | 35 | 32 |
| Porter County, IN | Investment property purchase | 100% | 25 | 25 |
| Lake County, IN | Investment refinance | 100% | 22 | 21 |
The county markets where Bank of Pontiac made the most loans. Each link opens that market with every lender ranked.
Questions about Bank of Pontiac
What is Bank of Pontiac's mortgage approval rate?
Bank of Pontiac approved 98.0% of the 357 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.8 points above the 83.2% national rate for the same mix of loan types.
How often do borrowers take the loan Bank of Pontiac offers?
Borrowers accepted 96% of the loans Bank of Pontiac approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bank of Pontiac make?
The typical investment property mortgage loan Bank of Pontiac made was $145K; across all loan types its typical loan ran from $145K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bank of Pontiac lend?
Bank of Pontiac decided applications in 4 of the states Fat Boy Data covers, most of them in Illinois, Indiana and Arizona.
Can I apply to Bank of Pontiac directly?
Yes. Bank of Pontiac is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bank of Pontiac's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Bank of Pontiac treats applications, then get a rate quote from the lender.