Lenders › Midland States Bank › Illinois
Midland States Bank in Illinois
HMDA record for properties in Illinois, calendar year 2024. National record · Illinois overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Illinois, Midland States Bank reported 1,423 applications and 882 originations for 2024, $117m in all.
Its denial rate in the state was 26.3%, above the Illinois rate of 23.3% across all lenders and compared with the lender's national rate of 26.3%.
The median rate spread on its Illinois originations was 0.2 percentage points (state median 0.5).
Applications in the state were down 12% on 2023.
Compared with the state and the lender's national record
| Measure | In Illinois | Illinois, all lenders | Midland States Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 26.3% | 23.3% | 26.3% | 24.3% |
| Median rate spread, pp | 0.2 | 0.5 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 11.4% | 15.4% | 11.6% | 15.6% |
| Average originated loan | $132k | $273k | $180k | $329k |
| Home purchase share | 55.8% | 61.1% | 55.5% | 57.0% |
| FHA-insured share | 6.7% | 10.7% | 6.8% | 13.4% |
| VA-guaranteed share | 0.7% | 4.9% | 0.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIllinois, all lenders
Loan purpose and loan type in Illinois
By purpose
Home purchase 56% (492)Home improvement 1% (9)Refinancing 16% (139)Cash-out refinancing 2% (20)Other purpose 25% (222)
By type
Conventional 91% (804)FHA 7% (59)VA 1% (6)USDA 1% (13)
Denial reasons as coded
Share of 336 denials in Illinois by first denial reason coded (outlined bar: all lenders in the state).
Counties in Illinois
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Winnebago County | 277 | 145 | $14m | 37.4% |
| Kankakee County | 235 | 142 | $15m | 26.2% |
| Champaign County | 115 | 101 | $15m | 7.1% |
| Will County | 98 | 61 | $12m | 25.0% |
| Cook County | 75 | 42 | $12m | 25.0% |
| Bureau County | 44 | 29 | $2.5m | 23.7% |
| Boone County | 64 | 28 | $2.7m | 39.7% |
| Whiteside County | 41 | 28 | $1.6m | 16.7% |
| Kane County | 39 | 26 | $6.0m | 21.2% |
| Effingham County | 36 | 26 | $4.9m | 25.0% |
| LaSalle County | 40 | 25 | $2.7m | 30.8% |
| Fayette County | 34 | 24 | $2.2m | 14.3% |
| Lee County | 34 | 19 | $1.4m | 28.6% |
| St. Clair County | 26 | 12 | $2.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Midland States Bank originate in Illinois in 2024?
882 loans totalling $117m, from 1,423 applications reported for properties in Illinois.
What is Midland States Bank's denial rate in Illinois?
26.3% of decided applications in Illinois were denied, against 23.3% for all lenders in the state and 26.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Illinois counties does Midland States Bank lend in most?
By originations: Winnebago County (145), Kankakee County (142), Champaign County (101), Will County (61), Cook County (42).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Illinois. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.