Lender in Illinois · HMDA 2025
Midland States Bank mortgages in Illinois
Midland States Bank's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
Midland States Bank originated 394 owner-occupied single-family loans in Illinois from 449 completed applications.
Its median conventional purchase loan costs were $3,920 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.75% (Illinois: 6.625%).
Loans in IL
394
of 449 applications
Denial rate
7.7%
Purchase · IL 9.2%
Rate spread
+0.41 pts
Conv. · IL +0.27 pts
Loan amount
$185,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 364 | 334 | 7.7% | 6.750% | +0.41 pts | $3,920 | $185,000 |
| Refinance | 43 | 32 | 16.3% | — | +0.50 pts | $2,190 | $105,000 |
| Cash-out refinance | 42 | 28 | 33.3% | — | +0.57 pts | $2,890 | $155,000 |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where Midland States Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Fayette County | 4 | 14 | 8.8% |
| Champaign County | 6 | 88 | 4.3% |
| Effingham County | 6 | 14 | 4.9% |
| Kankakee County | 7 | 54 | 4.2% |
| Whiteside County | 13 | 9 | 1.6% |
| Marion County | 13 | 7 | 2.2% |
| Bureau County | 14 | 6 | 1.9% |
| Boone County | 15 | 13 | 2.0% |
| Winnebago County | 17 | 48 | 1.4% |
| Lee County | 19 | 4 | 1.4% |
| Cumberland County | 19 | 1 | 1.7% |
| Ford County | 20 | 2 | 0.9% |
| LaSalle County | 21 | 15 | 1.1% |
| Douglas County | 21 | 2 | 0.9% |
| Iroquois County | 22 | 3 | 1.2% |
| Bond County | 24 | 2 | 1.1% |
| Clay County | 24 | 1 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology