Old National Bank: 2025 mortgage rates, costs & approvals
How Old National Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Old National Bank · LEI 549300AT7EB9FJAF0E61
In 2025, Old National Bank originated 5,226 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 46 states — 124th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was 15 basis points below the national median. Median conventional loan costs were $3,830, 31% lower than the national median ($5,570).
It denied 9.5% of completed home-purchase applications (all lenders: 8.5%).
How Old National Bank priced home-purchase loans
| Purchase loans, 2025 | Old National Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 5.875% | 6.125% |
| 15-year fixed rate · conventional | 5.750% | 5.875% |
| Rate spread vs. APOR · conventional | −0.02 pts | +0.13 pts |
| Total loan costs · conventional | $3,830 | $5,570 |
| Total loan costs · FHA | $8,610 | $11,310 |
| Total loan costs · VA | $4,750 | $6,490 |
| Origination charges (all types) | $1,100 | $1,860 |
| Borrowers paying discount points | 27.0% | 51.3% |
| Points paid, when paid (% of loan) | 0.23% | 0.87% |
| Borrowers receiving lender credits | 43.4% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Old National Bank denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Old National Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Indiana | 1,095 | 1,267 | 10.2% | 6.500% | $2,860 |
| Minnesota | 915 | 989 | 4.3% | 6.500% | $4,250 |
| Illinois | 827 | 1,031 | 16.1% | 6.375% | $5,770 |
| Michigan | 691 | 730 | 3.6% | 6.500% | $3,560 |
| Tennessee | 661 | 775 | 10.5% | 6.500% | $4,250 |
| Wisconsin | 373 | 441 | 13.7% | 6.375% | $3,220 |
| Kentucky | 240 | 277 | 8.5% | 6.500% | $3,720 |
| North Dakota | 79 | 90 | 7.1% | 6.450% | $3,510 |
| Missouri | 32 | 33 | 4.2% | — | — |
| Iowa | 31 | 36 | 12.1% | — | $2,940 |
| Florida | 29 | 32 | 7.7% | — | $5,750 |
| Texas | 25 | 28 | 10.7% | — | — |
| Kansas | 23 | 25 | 5.0% | — | — |
| South Carolina | 16 | 19 | — | — | — |
| Alabama | 15 | 16 | — | — | — |
| Virginia | 14 | 19 | — | — | — |
| Pennsylvania | 13 | 14 | — | — | — |
| Arizona | 12 | 14 | — | — | — |
| Georgia | 11 | 13 | — | — | — |
| North Carolina | 11 | 11 | — | — | — |
| California | 10 | 12 | — | — | — |
| Arkansas | 10 | 11 | — | — | — |
| Utah | 10 | 11 | — | — | — |
| Colorado | 9 | 10 | — | — | — |
| New Mexico | 9 | 10 | — | — | — |
| Ohio | 7 | 8 | — | — | — |
| Washington | 7 | 7 | — | — | — |
| Louisiana | 6 | 6 | — | — | — |
| Oklahoma | 6 | 6 | — | — | — |
| New Jersey | 4 | 5 | — | — | — |
| Nevada | 4 | 5 | — | — | — |
| Oregon | 4 | 4 | — | — | — |
| Nebraska | 3 | 4 | — | — | — |
| Delaware | 3 | 3 | — | — | — |
| Idaho | 3 | 3 | — | — | — |
| Maryland | 3 | 3 | — | — | — |
| Maine | 3 | 3 | — | — | — |
| South Dakota | 3 | 3 | — | — | — |
| Massachusetts | 2 | 2 | — | — | — |
| West Virginia | 2 | 2 | — | — | — |
| Mississippi | 1 | 2 | — | — | — |
| Connecticut | 1 | 1 | — | — | — |
| District of Columbia | 1 | 1 | — | — | — |
| Montana | 1 | 1 | — | — | — |
| Rhode Island | 1 | 1 | — | — | — |
| Wyoming | 0 | 2 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Old National Bank's page for that state.
Counties where Old National Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Stevens County, MN | 1 | 9 | 11.5% |
| Pierce County, ND | 3 | 2 | 9.5% |
| Polk County, MN | 3 | 28 | 8.3% |
| Hardin County, IL | 2 | 1 | 8.3% |
| Ransom County, ND | 3 | 4 | 8.2% |
| Lyon County, MN | 4 | 20 | 7.8% |
| Redwood County, MN | 4 | 12 | 7.5% |
| Meigs County, TN | 3 | 9 | 6.5% |
| Logan County, ND | 5 | 1 | 6.3% |
| Eddy County, ND | 6 | 1 | 5.9% |
| Muhlenberg County, KY | 6 | 16 | 5.5% |
| Griggs County, ND | 6 | 1 | 5.3% |
| Walsh County, ND | 8 | 4 | 5.1% |
| Marshall County, MN | 6 | 4 | 5.0% |
| Foster County, ND | 7 | 1 | 4.8% |
Check Old National Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300AT7EB9FJAF0E61.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Old National Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology