Lender in Illinois · HMDA 2025
NBKC Bank mortgages in Illinois
NBKC Bank's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
NBKC Bank originated 200 owner-occupied single-family loans in Illinois from 260 completed applications.
Its median conventional purchase loan costs were $5,630 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.49% (Illinois: 6.625%).
Loans in IL
200
of 260 applications
Denial rate
15.4%
Purchase · IL 9.2%
Rate spread
−0.02 pts
Conv. · IL +0.27 pts
Loan amount
$395,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 143 | 119 | 15.4% | 6.490% | −0.02 pts | $5,630 | $395,000 |
| Refinance | 101 | 73 | 25.7% | 6.125% | −0.17 pts | $1,840 | $395,000 |
| Cash-out refinance | 16 | 8 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where NBKC Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cumberland County | 9 | 1 | 1.7% |
| Douglas County | 25 | 1 | 0.4% |
| Menard County | 25 | 1 | 0.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology