Old Second National Bank mortgage approval rate & lending review
Old Second National Bank decided 1,912 mortgage applications and funded 1,630 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Old Second National Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Old Second National Bank at a glance
Approval is 11.8 points above the 77.0% 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 | 88% | 625 / 711 | 95% | $275K | 593 |
| Home improvement loans | 89% | 81 / 91 | 95% | $65K | 77 |
| Cash-out refinance | 89% | 725 / 814 | 96% | $105K | 699 |
| Refinance | 90% | 146 / 162 | 97% | $295K | 142 |
| Investment property purchase | 93% | 100 / 107 | 98% | $225K | 98 |
Old Second National Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 91% | $105K | 1,731 | 1,508 |
| Arizona | 79% | $125K | 34 | 26 |
| Florida | 77% | $325K | 26 | 20 |
| New York | 48% | $65K | 25 | 12 |
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 Old Second National Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kane County, IL | Cash-out refinance | 91% | 249 | 215 |
| DuPage County, IL | Cash-out refinance | 90% | 200 | 175 |
| Kane County, IL | Mortgage lenders | 94% | 157 | 138 |
| Kendall County, IL | Cash-out refinance | 92% | 107 | 94 |
| Cook County, IL | Cash-out refinance | 85% | 85 | 71 |
| Will County, IL | Cash-out refinance | 91% | 75 | 64 |
| Kendall County, IL | Mortgage lenders | 91% | 70 | 61 |
| DeKalb County, IL | Mortgage lenders | 98% | 58 | 55 |
| Kane County, IL | Refinance | 96% | 45 | 43 |
| DeKalb County, IL | Cash-out refinance | 79% | 43 | 34 |
| Kane County, IL | Home improvement loans | 89% | 38 | 34 |
| LaSalle County, IL | Mortgage lenders | 97% | 31 | 29 |
The county markets where Old Second National Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Old Second National Bank
What is Old Second National Bank's mortgage approval rate?
Old Second National Bank approved 88.8% of the 1,912 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.8 points above the 77.0% national rate for the same mix of loan types.
How often do borrowers take the loan Old Second National Bank offers?
Borrowers accepted 96% of the loans Old Second National Bank approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Old Second National Bank make?
The typical cash-out refinance loan Old Second National Bank made was $105K; across all loan types its typical loan ran from $65K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Old Second National Bank lend?
Old Second National Bank decided applications in 31 of the states Fat Boy Data covers, most of them in Illinois, Arizona and Florida.
Can I apply to Old Second National Bank directly?
Yes. Old Second National Bank is a bank or credit union with 57 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Old Second National Bank'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 Old Second National Bank treats applications, then get a rate quote from the lender.