Old Second National Bank in Illinois vs the state
9.8%Denial rate-7.28 pts vs state
10.9%Decision denial rate-10.79 pts vs state
77.4%Origination rate+18.68 pts vs state
7.25%Median rate+0.50 pts vs state
0.09Rate spread (pts)-0.29 pts vs state
$120kMedian applicant income
1,046Loans originated
133Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,131 | 807 | 11.9% | 8.00% | #64 |
| 2024 | 1,119 | 826 | 8.9% | 8.25% | #68 |
| 2025 | 1,351 | 1,046 | 9.8% | 7.25% | #65 |
What Old Second National Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Old Second National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kane County | 390 | 304 | 31 | 7.9% |
| Cook County | 238 | 181 | 25 | 10.5% |
| DuPage County | 226 | 173 | 25 | 11.1% |
| Kendall County | 156 | 122 | 18 | 11.5% |
| Will County | 108 | 85 | 11 | 10.2% |
| DeKalb County | 89 | 68 | 11 | 12.4% |
| Lake County | 53 | 41 | 5 | 9.4% |
| McHenry County | 35 | 26 | 2 | 5.7% |
| LaSalle County | 35 | 29 | 4 | 11.4% |
| Ogle County | 4 | 4 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 1,351 applications in 2025, of which 1,046 were originated and 133 denied.
9.8% of all applications, or 10.9% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Old Second National Bank originated in Illinois in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Old Second National Bank's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology