INB, National Association mortgage approval rate & lending review
INB, National Association decided 2,512 mortgage applications and funded 2,359 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions INB, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
INB, National Association at a glance
Approval is 10.4 points above the 84.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 1,559 / 1,626 | 99% | $185K | 1,550 |
| Home improvement loans | 72% | 26 / 36 | 100% | $35K | 26 |
| Cash-out refinance | 72% | 33 / 46 | 97% | $155K | 32 |
| Refinance | 84% | 86 / 103 | 97% | $185K | 83 |
| Investment property purchase | 97% | 406 / 418 | 97% | $85K | 395 |
| Investment refinance | 99% | 211 / 214 | 100% | $65K | 210 |
| Investment home improvement | 100% | 61 / 61 | 95% | $95K | 58 |
INB, National Association lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where INB, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sangamon County, IL | Mortgage lenders | 96% | 1,141 | 1,095 |
| Sangamon County, IL | Investment property purchase | 98% | 195 | 186 |
| Peoria County, IL | Mortgage lenders | 93% | 195 | 180 |
| Sangamon County, IL | Investment refinance | 98% | 95 | 92 |
| Peoria County, IL | Investment property purchase | 98% | 82 | 78 |
| Tazewell County, IL | Mortgage lenders | 99% | 68 | 65 |
| McLean County, IL | Mortgage lenders | 94% | 65 | 61 |
| Sangamon County, IL | Refinance | 89% | 63 | 54 |
| Champaign County, IL | Mortgage lenders | 98% | 53 | 52 |
| Champaign County, IL | Investment refinance | 100% | 52 | 52 |
| Macon County, IL | Investment property purchase | 100% | 44 | 42 |
| Champaign County, IL | Investment property purchase | 94% | 35 | 32 |
The county markets where INB, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about INB, National Association
What is INB, National Association's mortgage approval rate?
INB, National Association approved 95.0% of the 2,512 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.4 points above the 84.7% national rate for the same mix of loan types.
How often do borrowers take the loan INB, National Association offers?
Borrowers accepted 99% of the loans INB, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does INB, National Association make?
The typical home purchase mortgage loan INB, National Association made was $185K; across all loan types its typical loan ran from $35K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does INB, National Association lend?
INB, National Association decided applications in 27 of the states Fat Boy Data covers, most of them in Illinois, Florida and Missouri.
Can I apply to INB, National Association directly?
Yes. INB, National Association is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show INB, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how INB, National Association treats applications, then get a rate quote from the lender.