# Stillman BancCorp N.A.

> **Canonical URL:** https://saferate.com/lenders/stillman-banccorp


> **📋 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


Stillman BancCorp N.A. is a bank, headquartered in Stillman Valley, IL, serving borrowers across 7 states, with 164 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 24% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 42% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 2549006L3U88MNTL7K26
- **Headquarters:** Stillman Valley, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** FL, IA, IL, KY, OK, TN, WI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.201%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $670
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 164
- **Dollar Volume:** $29 million
- **Applications Received:** 208
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $174,573
- **Average Borrower Income:** $131,049
- **Average Property Value:** $264,878

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 162 | +0.201% | $670 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 106 loans, Score: 50/100 (Sound)
- Refinance: 56 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 108 | $21M | +0.212% | Sound ☺️ |
| Refinance | 60/100 | 56 | $8M | +0.180% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 151 | 0.12% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Rockford, IL | IL | 94 | 82/100 |
| Non |  | 49 | 48/100 |

## Where This Lender Ranks

Stillman BancCorp N.A. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Rockford, IL Banks
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders/banks)
- 🏆 **#6** in Rockford, IL
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders)
- 🏆 **#6** in Rockford, IL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Rockford, IL for Conventional Loans
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Stillman BancCorp N.A. offer?

Stillman BancCorp N.A. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Stillman BancCorp N.A. offer mortgages?

Stillman BancCorp N.A. offers mortgages in 7 states: FL, IA, IL, KY, OK, TN, WI.

### How competitive are Stillman BancCorp N.A.'s mortgage rates?

Stillman BancCorp N.A. has a pricing score of 76/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.201% above market average.

### What type of lender is Stillman BancCorp N.A.?

Stillman BancCorp N.A. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Stillman Valley, IL.

### What is Stillman BancCorp N.A.'s loan approval success rate?

Stillman BancCorp N.A. has a pull-through score of 58/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/stillman-banccorp

### How to Cite

> "Stillman BancCorp N.A. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/stillman-banccorp

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