Old Second National Bank in Florida vs the state
17.9%Denial rate-3.20 pts vs state
27.8%Decision denial rate+0.54 pts vs state
46.4%Origination rate-6.26 pts vs state
6.63%Median rate0.00 pts vs state
0.20Rate spread (pts)-0.07 pts vs state
$126kMedian applicant income
13Loans originated
5Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 5 | 0.0% | 7.38% | #1,055 |
| 2024 | 10 | 6 | 20.0% | 6.06% | #907 |
| 2025 | 28 | 13 | 17.9% | 6.63% | #698 |
What Old Second National Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Old Second National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 5 | 3 | 0 | 0.0% |
| Broward County | 4 | 0 | 1 | 25.0% |
| Volusia County | 4 | 1 | 1 | 25.0% |
| Collier County | 3 | 2 | 1 | 33.3% |
| Miami-Dade County | 2 | 1 | 1 | 50.0% |
| Polk County | 2 | 2 | 0 | 0.0% |
| Walton County | 2 | 1 | 1 | 50.0% |
| Lake County | 2 | 2 | 0 | 0.0% |
| Alachua County | 1 | 0 | 0 | 0.0% |
| Marion County | 1 | 1 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 28 applications in 2025, of which 13 were originated and 5 denied.
17.9% of all applications, or 27.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Old Second National Bank originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Old Second National Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology