Old Second National Bank
Old Second National Bank received 1,615 applications in 2025 and made 1,172 mortgages, in 159 counties across 35 states. The median rate its borrowers got was 7.125% on a median loan of $155,000. Of 1,411 decisions, 194 were denials — 13.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | B94HV8SXGDD3J5XESU08 |
|---|---|
| Applications received | 1,615 |
| Mortgages made | 1,172 |
| Denied | 194 |
| Approved, not taken up | 45 |
| Withdrawn or incomplete | 204 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.1 points |
| FDIC-insured bank | Yes: Old Second National Bank, 57 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 361 | 6.625% | $245,000 | 14.9% |
| Refinancing | 80 | 6.250% | $330,000 | 10.9% |
| Cash-out refinancing | 252 | 7.250% | $145,000 | 12.1% |
| Other purposes | 479 | 7.250% | $95,000 | 14.2% |
Where Old Second National Bank 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 |
|---|---|---|---|
| Kane County, IL | 304 | 7.250% | 8.9% |
| Cook County, IL | 181 | 6.875% | 11.6% |
| DuPage County, IL | 173 | 7.250% | 12.1% |
| Kendall County, IL | 122 | 7.250% | 12.7% |
| Will County, IL | 85 | 7.250% | 11.1% |
| DeKalb County, IL | 68 | 7.250% | 13.6% |
| Lake County, IL | 41 | 6.625% | 10.9% |
| LaSalle County, IL | 29 | 7.000% | 12.1% |
| McHenry County, IL | 26 | 6.750% | 6.5% |
| Maricopa County, AZ | 12 | 6.750% | 33.3% |
| Pinal County, AZ | 5 | Under 10 loans | 0.0% |
| Pima County, AZ | 4 | Under 10 loans | 20.0% |
| Yavapai County, AZ | 4 | Under 10 loans | 0.0% |
| Ogle County, IL | 4 | Under 10 loans | 0.0% |
| Saratoga County, NY | 4 | Under 10 loans | 42.9% |
| Lee County, FL | 3 | Under 10 loans | 0.0% |
| Sussex County, DE | 2 | Under 10 loans | 33.3% |
| Collier County, FL | 2 | Under 10 loans | 33.3% |
| Lake County, FL | 2 | Under 10 loans | 0.0% |
| Polk County, FL | 2 | Under 10 loans | 0.0% |
| Ada County, ID | 2 | Under 10 loans | 33.3% |
| Carroll County, IL | 2 | Under 10 loans | 0.0% |
| Lee County, IL | 2 | Under 10 loans | 33.3% |
| Lake County, IN | 2 | Under 10 loans | 0.0% |
| Marion County, IN | 2 | Under 10 loans | 0.0% |
| Monroe County, MI | 2 | Under 10 loans | 33.3% |
| Oakland County, MI | 2 | Under 10 loans | 0.0% |
| Ottawa County, MI | 2 | Under 10 loans | 33.3% |
| Monmouth County, NJ | 2 | Under 10 loans | 0.0% |
| Dutchess County, NY | 2 | Under 10 loans | 0.0% |
| Thurston County, WA | 2 | Under 10 loans | 0.0% |
| Adams County, WI | 2 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| Fremont County, CO | 1 | Under 10 loans | 0.0% |
| Weld County, CO | 1 | Under 10 loans | 0.0% |
| Naugatuck Valley Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 1 | Under 10 loans | 50.0% |
| Volusia County, FL | 1 | Under 10 loans | 50.0% |
| Walton County, FL | 1 | Under 10 loans | 50.0% |
| Franklin County, ID | 1 | Under 10 loans | 0.0% |
| Boone County, IL | 1 | Under 10 loans | 0.0% |
| Bureau County, IL | 1 | Under 10 loans | 0.0% |
| Grundy County, IL | 1 | Under 10 loans | 0.0% |
| Livingston County, IL | 1 | Under 10 loans | 0.0% |
| Putnam County, IL | 1 | Under 10 loans | 0.0% |
| Sangamon County, IL | 1 | Under 10 loans | 0.0% |
| Warren County, IL | 1 | Under 10 loans | 0.0% |
| Whiteside County, IL | 1 | Under 10 loans | 0.0% |
| Winnebago 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.