Lender in Illinois · HMDA 2025
Old Second National Bank mortgages in Illinois
Old Second National Bank's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
Old Second National Bank originated 315 owner-occupied single-family loans in Illinois from 355 completed applications.
Its median conventional purchase loan costs were $5,830 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.75% (Illinois: 6.625%).
Loans in IL
315
of 355 applications
Denial rate
5.3%
Purchase · IL 9.2%
Rate spread
+0.17 pts
Conv. · IL +0.27 pts
Loan amount
$275,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 227 | 205 | 5.3% | 6.750% | +0.17 pts | $5,830 | $275,000 |
| Refinance | 68 | 61 | 7.3% | 6.375% | −0.06 pts | $2,610 | $325,000 |
| Cash-out refinance | 60 | 49 | 15.0% | 7.000% | +0.30 pts | $2,510 | $255,000 |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where Old Second National Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| DeKalb County | 13 | 26 | 1.8% |
| Kane County | 22 | 85 | 1.2% |
| Kendall County | 22 | 29 | 1.1% |
| LaSalle County | 23 | 12 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology