What loan types does Old Second National Bank offer?

Old Second National Bank offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does Old Second National Bank offer mortgages?

Old Second National Bank offers mortgages in 11 states: AR, FL, IL, IN, KY, MI, MO, NM, OH, TN, WI.

How competitive are Old Second National Bank's mortgage rates?

Old Second National Bank has an overall pricing score of 40/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Old Second National Bank?

Old Second National Bank is a Bank headquartered in Aurora, IL.

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Old Second National Bank

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Old Second National Bank has 213 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Sound

3/5

FHA · Conventional

Place

Strong

4/5

Multi-Region · 2 mkts

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

Report Card

Old Second National Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+43.1 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Sound	194	91.1%	+0.437%Above	$1,323Fees
FHA Loans	Sound	Sound	—	Acceptable	14	6.6%	+0.390%Above	$1,539Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume194

Mix91.1%

Spread

+0.437%Above

Fees

$1,323Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Acceptable

Volume14

Mix6.6%

Spread

+0.390%Above

Fees

$1,539Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	142	66.7%	+0.435%Above	$1,435Fees
Refinance	Sound	Sound	Sound	Strong	71	33.3%	+0.422%Above	$1,134Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume142

Mix66.7%

Spread

+0.435%Above

Fees

$1,435Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume71

Mix33.3%

Spread

+0.422%Above

Fees

$1,134Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

213

Applications

318

Volume

$65 million

Pricing & Closing

Avg Rate Spread

+0.431%

vs. market APOR

Avg Net Fees

$1,330

Origination − Credits

Pullthrough Rate

67.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$305,939

Avg Borrower Income

$168,638

Avg Property Value

$469,178

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Midwest6

ILINMIMOOHWI

South4

ARFLKYTN

West1

Top Metro Areas by Place Specialization Score

Elgin, ILMetro

Volume 116Mix 54.46% of portfolio

85/100

Exceptional

Chicago, ILMetro

Volume 55Mix 25.82% of portfolio

62/100

Strong

Top States by Place Specialization Score

IllinoisState

Volume 196Mix 92.02% of portfolio

75/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.