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Old National Bank
Bank|Evansville, IN|National
Loans Originated
4,065
Applications
5,691
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Strong
Safe Rate Awards💎Conventional Champion💎Purchase Champion⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.049%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$853
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
71.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 4.90 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Report Card
Old National Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 43 metro areas · 43 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$346,038
Average Borrower Income
$161,470
Average Property Value
$463,706
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Exceptional | Exceptional | Exceptional | Strong | 3,451 | 84.9% | -0.039% | $885 |
FHA Loans | Strong | Strong | Exceptional | Sound | 217 | 5.3% | +0.078% | $952 |
VA Loans | Strong | Strong | Exceptional | Strong | 128 | 3.1% | -0.748% | $79 |
Jumbo Loans | Strong | Exceptional | Strong | Strong | 257 | 6.3% | +0.115% | $539 |
USDA Loans | Acceptable | Sound | N/A | Mediocre | 12 | 0.3% | +0.158% | $1,488 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Exceptional | Exceptional | Exceptional | Strong | 3,401 | 83.7% | -0.103% | $876 |
Refinance | Strong | Strong | Sound | Strong | 664 | 16.3% | +0.204% | $744 |
Geographic Coverage
Metro Areas
42
States Served
43
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACODEFLGAIAIDILINKSKYLAMDMEMIMNMOMSMTNCNDNENJNMNVNYOHOKORPASCSDTNTXUTVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Ann Arbor, MI, MIMSA
Volume: 108Mix: 2.66%
Place Specialization
Exceptional
2
Nashville, TNMSA
Volume: 345Mix: 8.49%
Place Specialization
Exceptional
3
Indianapolis, INMSA
Volume: 342Mix: 8.41%
Place Specialization
Strong
4
Chicago, ILMSA
Volume: 452Mix: 11.12%
Place Specialization
Strong
5
Grand Rapids, MIMSA
Volume: 304Mix: 7.48%
Place Specialization
Strong
6
Evansville, IN, INMSA
Volume: 142Mix: 3.49%
Place Specialization
Strong
7
Minneapolis, MN-WIMSA
Volume: 298Mix: 7.33%
Place Specialization
Strong
8
Lake County, INMSA
Volume: 84Mix: 2.07%
Place Specialization
Strong
9
Lake County, IL, ILMSA
Volume: 58Mix: 1.43%
Place Specialization
Strong
10
Lafayette, INMSA
Volume: 66Mix: 1.62%
Place Specialization
Strong
Showing 10 of 42 metro areas
Top States by Place Specialization Score
1
INState
Volume: 1,017Mix: 25.02%
Place Specialization
Exceptional
2
ILState
Volume: 626Mix: 15.40%
Place Specialization
Strong
3
MIState
Volume: 640Mix: 15.74%
Place Specialization
Strong
4
TNState
Volume: 466Mix: 11.46%
Place Specialization
Strong
5
WIState
Volume: 330Mix: 8.12%
Place Specialization
Strong
6
KYState
Volume: 240Mix: 5.90%
Place Specialization
Strong
7
MNState
Volume: 331Mix: 8.14%
Place Specialization
Strong
8
KSState
Volume: 29Mix: 0.71%
Place Specialization
Sound
9
IAState
Volume: 33Mix: 0.81%
Place Specialization
Sound
10
SCState
Volume: 29Mix: 0.71%
Place Specialization
Sound
Showing 10 of 20 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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