# Carrollton Bank

> **Canonical URL:** https://saferate.com/lenders/carrollton-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Carrollton Bank is a bank, headquartered in Carrollton, IL, serving borrowers across 11 states, with 702 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 29% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 30% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300CP7747DCRW6U68
- **Headquarters:** Carrollton, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** AZ, CO, FL, IL, IN, MO, MS, OK, TN, TX, VA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 97.4%
- **Brokered/Wholesale:** 2.6%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.163%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $816
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 702
- **Dollar Volume:** $174 million
- **Applications Received:** 899
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $248,561
- **Average Borrower Income:** $165,152
- **Average Property Value:** $327,821

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 66/100 | 571 | +0.172% | $793 | Strong 😀 |
| FHA | 63/100 | 67 | +0.412% | $1,131 | Strong 😀 |
| VA | 66/100 | 39 | -0.389% | $784 | Strong 😀 |
| Jumbo | 69/100 | 19 | +0.102% | $789 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 522 loans, Score: 67/100 (Strong)
- Refinance: 49 loans, Score: 50/100 (Sound)

**FHA:**
- Purchase: 65 loans, Score: 63/100 (Strong)

**VA:**
- Purchase: 37 loans, Score: 66/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 67/100 | 649 | $163M | +0.167% | Strong 😀 |
| Refinance | 49/100 | 53 | $11M | +0.123% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 365 | 0.29% | 78/100 |
| MO | 323 | 0.43% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| St. Louis, MO | MO-IL | 589 | 93/100 |
| Springfield, IL | IL | 56 | 68/100 |
| Non |  | 39 | 37/100 |

## Where This Lender Ranks

Carrollton Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in St. Louis, MO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in St. Louis, MO for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#5** in St. Louis, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in St. Louis, MO for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#5** in Springfield, IL Banks
  - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders/banks)
- 🏆 **#6** in St. Louis, MO
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders)
- 🏆 **#6** in St. Louis, MO Banks
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks)
- 🏆 **#6** in St. Louis, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/conventional-loans)
- 🏆 **#6** in St. Louis, MO for FHA Loans
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in St. Louis, MO for Jumbo Loans
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/jumbo-loans)
- 🏆 **#6** in Illinois for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Springfield, IL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in St. Louis, MO for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks/va-loans)
- 🏆 **#7** in Illinois for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#7** in Springfield, IL
  - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders)
- 🏆 **#8** in St. Louis, MO for USDA Loans
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/usda-loans)
- 🏆 **#8** in Missouri for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#9** in Missouri Banks
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks)
- 🏆 **#9** in Springfield, IL for Conventional Loans
  - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in St. Louis, MO for VA Loans
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does Carrollton Bank offer?

Carrollton Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Carrollton Bank offer mortgages?

Carrollton Bank offers mortgages in 11 states: AZ, CO, FL, IL, IN, MO, MS, OK, TN, TX, VA.

### How competitive are Carrollton Bank's mortgage rates?

Carrollton Bank has a pricing score of 71/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.163% above market average.

### What type of lender is Carrollton Bank?

Carrollton Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Carrollton, IL.

### What is Carrollton Bank's loan approval success rate?

Carrollton Bank has a pull-through score of 70/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/carrollton-bank

### How to Cite

> "Carrollton Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/carrollton-bank

---

**[View Interactive Profile →](https://saferate.com/lenders/carrollton-bank)**