Applications / Mortgage Analytics / Lenders / Illinois / Old Second National Bank
Aurora, IL · National bank · OCC · $6.9 billion assets · 1,172 loans in 2025
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1,172
loans originated, 2025
1,615
applications, 2025
31
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Old Second National Bank, an Illinois national bank ranked 55 of 902 lenders in Chicago-Naperville-Elgin, grew its originations 37% in 2025, faster than about nine in ten similar lenders, in a year it merged with Evergreen Bank Group.
Originations rose 37% to 1,172, against 10% at similar lenders (national banks making between half and twice as many loans) and 10% for the whole market. It merged with Evergreen Bank Group in 2025, which may account for some of the growth. It lent in 31 states and 63 metros, and first lent in Olympia-Lacey-Tumwater, Las Cruces and Billings in 2025.
Other-purpose loans were its largest line, 36.4% of originations, ahead of purchases at 30.8% and refinancing at 28.3%. Manufactured homes were 6.5% of its loans, against 1.6% at peers, higher than nine in ten of them.
Its typical loan was $155,000, against $205,000 at peers. LMI (low- and moderate-income) borrowers took 31.8% of its loans, more than about three-quarters of peers (26.6%), up from 24.6% five years before. Majority-minority areas took 16.6%, against 8.1%. Its manufactured-home and other-purpose loans, often smaller, are one possible reason for both.
Its share rose 0.3 points to 0.3% in Tulsa, where it ranked 66 of 476, and 0.1 points in Greenville-Anderson-Greer. Nearly all its loans were conventional: 99.4%, against 95.3% at peers.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Old Second National Bank took 1,615 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 36.4% · Purchase 30.8% · Refinance 28.3% · Home improvement 4.4%
Conventional 99.4% · FHA 0.5% · VA 0.1% · of 1,172 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Illinois | 1,046 | 89.2% |
| Arizona | 25 | 2.1% |
| New York | 15 | 1.3% |
| Florida | 13 | 1.1% |
| Michigan | 12 | 1.0% |
| Wisconsin | 12 | 1.0% |
| Indiana | 6 | 0.5% |
| Pennsylvania | 4 | 0.3% |
| Washington | 4 | 0.3% |
| Idaho | 3 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Elgin | 494 |
| Chicago-Naperville-Schaumburg | 466 |
| Lake County | 41 |
| Phoenix-Mesa-Chandler | 17 |
| Albany-Schenectady-Troy | 5 |
| Warren-Troy-Farmington Hills | 5 |
| Prescott Valley-Prescott | 4 |
| Tucson | 4 |
| Cape Coral-Fort Myers | 3 |
| Kiryas Joel-Poughkeepsie-Newburgh | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | B94HV8SXGDD3J5XESU08 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 936136 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 14596 | 1990–2017 |
Established 21 November 1887. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Old Second National Bank's data.
Old Second National Bank's data
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Old Second National Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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