# Bank of Pontiac

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

> **📋 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

Bank of Pontiac is a bank, headquartered in Pontiac, IL, serving borrowers across 2 states, with 123 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 55% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 44% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493000KJ6VEEFTSNI20
- **Headquarters:** Pontiac, IL
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** IL, WI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.624%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $663
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 123
- **Dollar Volume:** $24 million
- **Applications Received:** 155
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $192,967
- **Average Borrower Income:** $154,187

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 119 | +0.624% | $663 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 80 loans, Score: 40/100 (Sound)
- Refinance: 39 loans, Score: 42/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 41/100 | 84 | $17M | +0.665% | Sound ☺️ |
| Refinance | 39/100 | 39 | $7M | +0.517% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 122 | 0.10% | 71/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 83 | 58/100 |
| Bloomington, IL | IL | 22 | 58/100 |

## Frequently Asked Questions

### What loan types does Bank of Pontiac offer?

Bank of Pontiac offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Bank of Pontiac offer mortgages?

Bank of Pontiac offers mortgages in 2 states: IL, WI.

### How competitive are Bank of Pontiac's mortgage rates?

Bank of Pontiac has a pricing score of 45/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.624% above market average.

### What type of lender is Bank of Pontiac?

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

### What is Bank of Pontiac's loan approval success rate?

Bank of Pontiac has a pull-through score of 56/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/bank-of-pontiac

### How to Cite

> "Bank of Pontiac Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bank-of-pontiac

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