# INB, National Association

> **Canonical URL:** https://saferate.com/lenders/inb-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


INB, National Association is a bank, headquartered in Springfield, IL, serving borrowers across 12 states, with 679 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 28% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 17% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300HGDJQ37M5BE268
- **Headquarters:** Springfield, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 12
- **State List:** CA, FL, GA, IL, IN, KY, MT, NE, SC, TN, TX, WI
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pull Through: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.300%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $642
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 679
- **Dollar Volume:** $145 million
- **Applications Received:** 822
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $213,336
- **Average Borrower Income:** $111,700
- **Average Property Value:** $265,133

## Safe Rate Awards 🏆

- 💎 **VA Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 574 | +0.331% | $692 | Strong 😀 |
| FHA | 67/100 | 49 | +0.462% | $537 | Strong 😀 |
| VA | 73/100 | 51 | -0.249% | $112 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 533 loans, Score: 77/100 (Strong)
- Refinance: 41 loans, Score: 60/100 (Strong)

**FHA:**
- Purchase: 46 loans, Score: 67/100 (Strong)

**VA:**
- Purchase: 49 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 76/100 | 631 | $133M | +0.305% | Strong 😀 |
| Refinance | 62/100 | 48 | $12M | +0.239% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 653 | 0.52% | 85/100 |
| FL | 10 | 0.00% | 33/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Springfield, IL | IL | 410 | 100/100 |
| Peoria, IL | IL | 106 | 74/100 |
| Non |  | 70 | 47/100 |
| Bloomington, IL | IL | 24 | 54/100 |
| Champaign | IL | 15 | 50/100 |
| Decatur, IL | IL | 12 | 45/100 |
| St. Louis, MO | MO-IL | 11 | 41/100 |

## Where This Lender Ranks

INB, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Illinois for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Springfield, IL
  - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders)
- 🥇 **#1** in Springfield, IL Banks
  - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders/banks)
- 🥇 **#1** in Springfield, IL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Springfield, IL for FHA Loans
  - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Springfield, IL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Springfield, IL for VA Loans
  - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Springfield, IL for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Peoria, IL Banks
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/banks)
- 🥇 **#1** in Peoria, IL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Illinois Banks
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks)
- 🥈 **#2** in Illinois for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Springfield, IL for Conventional Loans
  - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Peoria, IL
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders)
- 🥈 **#2** in Peoria, IL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Peoria, IL for FHA Loans
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Illinois for FHA Loans
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Illinois for VA Loans
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Bloomington, IL Banks
  - [View Full Rankings](https://saferate.com/bloomington-il/best-mortgage-lenders/banks)
- 🏆 **#4** in Illinois
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does INB, National Association offer?

INB, National Association offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does INB, National Association offer mortgages?

INB, National Association offers mortgages in 12 states: CA, FL, GA, IL, IN, KY, MT, NE, SC, TN, TX, WI.

### How competitive are INB, National Association's mortgage rates?

INB, National Association has a pricing score of 72/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.300% above market average.

### What type of lender is INB, National Association?

INB, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Springfield, IL.

### What is INB, National Association's loan approval success rate?

INB, National Association has a pull-through score of 83/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/inb-national-association

### How to Cite

> "INB, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/inb-national-association

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**[View Interactive Profile →](https://saferate.com/lenders/inb-national-association)**