Municipal Trust and Savings Bank mortgage approval rate & lending review
Municipal Trust and Savings Bank decided 389 mortgage applications and funded 360 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Municipal Trust and Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Municipal Trust and Savings Bank at a glance
Approval is 12.0 points above the 82.1% 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 | 96% | 188 / 196 | 99% | $185K | 186 |
| Home improvement loans | 96% | 27 / 28 | 100% | $45K | 27 |
| Refinance | 93% | 57 / 61 | 96% | $105K | 55 |
| Investment property purchase | 98% | 62 / 63 | 98% | $125K | 61 |
Municipal Trust and Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 94% | $185K | 372 | 343 |
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 Municipal Trust and Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kankakee County, IL | Mortgage lenders | 95% | 166 | 156 |
| Kankakee County, IL | Refinance | 93% | 59 | 53 |
| Kankakee County, IL | Investment property purchase | 98% | 48 | 46 |
| Kankakee County, IL | Home improvement loans | 96% | 27 | 26 |
The county markets where Municipal Trust and Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Municipal Trust and Savings Bank
What is Municipal Trust and Savings Bank's mortgage approval rate?
Municipal Trust and Savings Bank approved 94.1% of the 389 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.0 points above the 82.1% national rate for the same mix of loan types.
How often do borrowers take the loan Municipal Trust and Savings Bank offers?
Borrowers accepted 98% of the loans Municipal Trust and Savings Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Municipal Trust and Savings Bank make?
The typical home purchase mortgage loan Municipal Trust and Savings Bank made was $185K; across all loan types its typical loan ran from $45K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Municipal Trust and Savings Bank lend?
Municipal Trust and Savings Bank decided applications in 7 of the states Fat Boy Data covers, most of them in Illinois, Indiana and Florida.
Can I apply to Municipal Trust and Savings Bank directly?
Yes. Municipal Trust and Savings Bank is a bank or credit union with 2 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Municipal Trust and Savings Bank'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 Municipal Trust and Savings Bank treats applications, then get a rate quote from the lender.