INB, National Association
INB, National Association received 1,169 applications in 2025 and made 958 mortgages, in 84 counties across 18 states. The median rate its borrowers got was 6.704% on a median loan of $165,000. Of 1,021 decisions, 51 were denials — 5.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300HGDJQ37M5BE268 |
|---|---|
| Applications received | 1,169 |
| Mortgages made | 958 |
| Denied | 51 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 148 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.325 points |
| FDIC-insured bank | Yes: INB, National Association, 14 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 757 | 6.625% | $175,000 | 2.9% |
| Refinancing | 140 | 6.750% | $105,000 | 9.6% |
| Cash-out refinancing | 19 | 7.250% | $115,000 | 13.6% |
| Other purposes | 42 | 6.750% | $55,000 | 18.9% |
Where INB, National Association lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sangamon County, IL | 576 | 6.625% | 4.1% |
| Peoria County, IL | 91 | 6.750% | 4.1% |
| Champaign County, IL | 40 | 6.704% | 4.7% |
| Tazewell County, IL | 37 | 6.750% | 5.0% |
| Macon County, IL | 20 | 6.750% | 4.6% |
| Menard County, IL | 20 | 6.750% | 0.0% |
| Knox County, IL | 18 | 6.500% | 14.3% |
| McLean County, IL | 16 | 6.750% | 15.8% |
| Logan County, IL | 15 | 6.875% | 0.0% |
| Christian County, IL | 13 | 6.750% | 0.0% |
| Morgan County, IL | 10 | 6.688% | 16.7% |
| Macoupin County, IL | 8 | Under 10 loans | 11.1% |
| Vermilion County, IL | 6 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 5 | Under 10 loans | 16.7% |
| Piatt County, IL | 5 | Under 10 loans | 16.7% |
| Warren County, IL | 4 | Under 10 loans | 0.0% |
| St. Louis County, MO | 4 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 3 | Under 10 loans | 0.0% |
| Henry County, IL | 3 | Under 10 loans | 0.0% |
| Woodford County, IL | 3 | Under 10 loans | 0.0% |
| St. Louis city, MO | 3 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| Broward County, FL | 2 | Under 10 loans | 0.0% |
| Collier County, FL | 2 | Under 10 loans | 0.0% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Pinellas County, FL | 2 | Under 10 loans | 50.0% |
| DuPage County, IL | 2 | Under 10 loans | 0.0% |
| Fulton County, IL | 2 | Under 10 loans | 0.0% |
| Marshall County, IL | 2 | Under 10 loans | 0.0% |
| Montgomery County, IL | 2 | Under 10 loans | 0.0% |
| Montgomery County, AL | 1 | Under 10 loans | 0.0% |
| District of Columbia, DC | 1 | Under 10 loans | 0.0% |
| Martin County, FL | 1 | Under 10 loans | 0.0% |
| Pasco County, FL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 50.0% |
| Cherokee County, GA | 1 | Under 10 loans | 0.0% |
| Emanuel County, GA | 1 | Under 10 loans | 0.0% |
| Brown County, IL | 1 | Under 10 loans | 0.0% |
| Bureau County, IL | 1 | Under 10 loans | 0.0% |
| Cass County, IL | 1 | Under 10 loans | 0.0% |
| Clark County, IL | 1 | Under 10 loans | 0.0% |
| Douglas County, IL | 1 | Under 10 loans | 0.0% |
| Edgar County, IL | 1 | Under 10 loans | 0.0% |
| Fayette County, IL | 1 | Under 10 loans | 0.0% |
| Ford County, IL | 1 | Under 10 loans | 0.0% |
| Jackson County, IL | 1 | Under 10 loans | 0.0% |
| Lake County, IL | 1 | Under 10 loans | 0.0% |
| Livingston County, IL | 1 | Under 10 loans | 0.0% |
| Madison County, IL | 1 | Under 10 loans | 0.0% |
| Mason County, IL | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.