Midland States Bank
Midland States Bank received 1,641 applications in 2025 and made 989 mortgages, in 123 counties across 21 states. The median rate its borrowers got was 6.375% on a median loan of $105,000. Of 1,445 decisions, 393 were denials — 27.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300U6DW7DX671T306 |
|---|---|
| Applications received | 1,641 |
| Mortgages made | 989 |
| Denied | 393 |
| Approved, not taken up | 63 |
| Withdrawn or incomplete | 196 |
| Loans bought from other lenders | 2 |
| Median rate spread over the prime offer rate | 0.0175 points |
| FDIC-insured bank | Yes: Midland States Bank, 60 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 529 | 6.625% | $165,000 | 8.4% |
| Refinancing | 170 | 5.990% | $85,000 | 20.6% |
| Cash-out refinancing | 36 | 6.938% | $155,000 | 34.6% |
| Other purposes | 254 | 5.990% | $55,000 | 48.9% |
Where Midland States Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Winnebago County, IL | 148 | 6.063% | 33.1% |
| Champaign County, IL | 126 | 6.500% | 5.9% |
| Kankakee County, IL | 112 | 6.500% | 35.2% |
| St. Louis County, MO | 51 | 6.125% | 16.9% |
| Will County, IL | 49 | 6.125% | 28.2% |
| LaSalle County, IL | 46 | 5.990% | 20.3% |
| Boone County, IL | 30 | 6.625% | 36.5% |
| Cook County, IL | 29 | 6.625% | 35.6% |
| Effingham County, IL | 26 | 6.250% | 12.1% |
| Fayette County, IL | 26 | 6.563% | 29.3% |
| St. Charles County, MO | 24 | 5.990% | 10.3% |
| Marion County, IL | 22 | 6.688% | 20.0% |
| Whiteside County, IL | 22 | 5.990% | 40.5% |
| Jefferson County, MO | 20 | 5.990% | 23.1% |
| St. Clair County, IL | 18 | 5.995% | 19.2% |
| Bureau County, IL | 16 | 6.183% | 43.3% |
| Lee County, IL | 15 | 5.990% | 23.8% |
| Ogle County, IL | 12 | 5.990% | 14.3% |
| Kendall County, IL | 9 | Under 10 loans | 28.6% |
| Madison County, IL | 9 | Under 10 loans | 10.0% |
| Monroe County, IL | 9 | Under 10 loans | 25.0% |
| DeKalb County, IL | 8 | Under 10 loans | 25.0% |
| Grundy County, IL | 8 | Under 10 loans | 42.9% |
| Livingston County, IL | 8 | Under 10 loans | 33.3% |
| McHenry County, IL | 8 | Under 10 loans | 27.3% |
| Bond County, IL | 7 | Under 10 loans | 23.1% |
| Kane County, IL | 7 | Under 10 loans | 46.2% |
| St. Louis city, MO | 7 | Under 10 loans | 36.4% |
| Stephenson County, IL | 6 | Under 10 loans | 25.0% |
| Clinton County, IL | 5 | Under 10 loans | 50.0% |
| Douglas County, IL | 5 | Under 10 loans | 16.7% |
| Macon County, IL | 5 | Under 10 loans | 28.6% |
| Iroquois County, IL | 4 | Under 10 loans | 28.6% |
| Franklin County, MO | 4 | Under 10 loans | 42.9% |
| Clay County, IL | 3 | Under 10 loans | 25.0% |
| De Witt County, IL | 3 | Under 10 loans | 0.0% |
| DuPage County, IL | 3 | Under 10 loans | 25.0% |
| Ford County, IL | 3 | Under 10 loans | 20.0% |
| Jefferson County, IL | 3 | Under 10 loans | 25.0% |
| Peoria County, IL | 3 | Under 10 loans | 0.0% |
| Shelby County, IL | 3 | Under 10 loans | 0.0% |
| Vermilion County, IL | 3 | Under 10 loans | 0.0% |
| Warren County, MO | 3 | Under 10 loans | 0.0% |
| Cumberland County, IL | 2 | Under 10 loans | 33.3% |
| Jo Daviess County, IL | 2 | Under 10 loans | 0.0% |
| Knox County, IL | 2 | Under 10 loans | 0.0% |
| Lake County, IL | 2 | Under 10 loans | 50.0% |
| McLean County, IL | 2 | Under 10 loans | 50.0% |
| Sangamon County, IL | 2 | Under 10 loans | 0.0% |
| Lake County, IN | 2 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.