Old National Bank Mortgage Rates, Fees & Info

Evansville, IN

LEI: 549300AT7EB9FJAF0E61

Tax ID: 35-1729164

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Review & Overview

    Old National Bank is a small bank specializing in Home Purchase loans. Old National Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Grand Rapids, Indianapolis, Ann Arbor, Madison, and Evansville among others. We have data for 126 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Old National Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Old National Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 4.69% 12/17/24
    30 Year Conventional Purchase 6.29% 12/17/24
    30 Year Conventional Refi 6.24% 12/17/24
    30 Year Cash-out Refi 6.51% 12/17/24
    30 Year FHA Purchase 7.51% 12/17/24
    30 Year FHA Refi 7.50% 12/17/24
    30 Year VA Purchase 6.19% 12/17/24
    30 Year USDA Purchase 6.63% 12/17/24
    15 Year Conventional Purchase 5.93% 12/17/24
    15 Year Conventional Refi 5.70% 12/17/24
    15 Year Cash-out Refi 5.70% 12/17/24
    15 Year FHA Purchase 6.81% 12/17/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Old National Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Old National Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    7,687

    Origination Dollar Volume (All Markets)

    $1,256,615,000

    Employee count

    2,645 Show all (36) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 519 $109,135,000 $210,279 $2,790 4.25%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 722 $107,020,000 $148,227 $1,727 4.04%
    ANN ARBOR, MI (FHA|USDA|VA) 388 $93,090,000 $239,923 $2,650 4.05%
    MADISON, WI (FHA|USDA|VA) 622 $91,400,000 $146,945 $2,299 4.11%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 676 $84,610,000 $125,163 $1,837 4.12%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 389 $82,245,000 $211,427 $3,989 4.12%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 222 $63,380,000 $285,495 $2,399 4.21%
    Outside of Metro Areas 539 $62,505,000 $115,965 $1,921 4.24%
    LOUISVILLE, KY (FHA|USDA|VA) 147 $42,925,000 $292,007 $2,349 3.81%
    BLOOMINGTON, IN (FHA|USDA|VA) 228 $40,640,000 $178,246 $2,044 3.98%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 136 $40,600,000 $298,529 $3,038 4.16%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 215 $34,795,000 $161,837 $2,071 4.19%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 13 $34,575,000 $2,659,615 $3,959 4.55%
    FORT WAYNE, IN (FHA|USDA|VA) 143 $27,165,000 $189,965 $2,162 3.98%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 158 $25,310,000 $160,190 $2,045 3.93%
    Adrian, MI (FHA|USDA|VA) 211 $23,475,000 $111,256 $2,017 4.23%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 123 $23,035,000 $187,276 $2,088 3.87%
    OWENSBORO, KY (FHA|USDA|VA) 162 $18,930,000 $116,852 $2,765 4.38%
    TERRE HAUTE, IN (FHA|USDA|VA) 231 $18,885,000 $81,753 $1,327 4.29%
    Jasper, IN (FHA|USDA|VA) 129 $17,145,000 $132,907 $2,468 3.97%
    APPLETON, WI (FHA|USDA|VA) 108 $13,390,000 $123,981 $1,841 4.18%
    Holland, MI (FHA|USDA|VA) 51 $13,135,000 $257,549 $3,156 4.44%
    COLUMBUS, IN (FHA|USDA|VA) 82 $12,080,000 $147,317 $2,004 4.15%
    MUNCIE, IN (FHA|USDA|VA) 115 $12,055,000 $104,826 $1,844 4.23%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 108 $10,960,000 $101,481 $2,337 4.49%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 88 $8,510,000 $96,705 $1,701 4.41%
    Warsaw, IN (FHA|USDA|VA) 43 $8,475,000 $197,093 $2,435 4.02%
    Central City, KY (FHA|USDA|VA) 112 $7,910,000 $70,625 $1,166 4.01%
    EAU CLAIRE, WI (FHA|USDA|VA) 55 $6,385,000 $116,091 $1,986 4.22%
    Platteville, WI (FHA|USDA|VA) 76 $6,000,000 $78,947 $2,088 4.00%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $5,605,000 $5,605,000 $0 4.06%
    Stevens Point, WI (FHA|USDA|VA) 61 $5,365,000 $87,951 $1,715 4.11%
    MONROE, MI (FHA|USDA|VA) 41 $5,155,000 $125,732 $2,335 4.35%
    BATTLE CREEK, MI (FHA|USDA|VA) 40 $5,120,000 $128,000 $799 4.52%
    JACKSON, MI (FHA|USDA|VA) 47 $5,085,000 $108,191 $1,525 4.30%
    Madison, IN (FHA|USDA|VA) 38 $4,900,000 $128,947 $3,249 4.68%
    Vincennes, IN (FHA|USDA|VA) 48 $4,520,000 $94,167 $1,505 4.36%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 41 $4,505,000 $109,878 $1,523 4.01%
    Washington, IN (FHA|USDA|VA) 45 $4,405,000 $97,889 $1,617 4.59%
    Traverse City, MI (FHA|USDA|VA) 11 $4,395,000 $399,545 $3,927 4.27%
    Whitewater, WI (FHA|USDA|VA) 48 $4,230,000 $88,125 $1,537 4.17%
    Seymour, IN (FHA|USDA|VA) 41 $4,055,000 $98,902 $1,962 4.51%
    NILES, MI (FHA|USDA|VA) 18 $3,470,000 $192,778 $1,959 4.11%
    MANKATO, MN (FHA|USDA|VA) 20 $3,000,000 $150,000 $2,842 3.85%
    Baraboo, WI (FHA|USDA|VA) 15 $2,795,000 $186,333 $2,522 4.38%
    Findlay, OH (FHA|USDA|VA) 1 $2,725,000 $2,725,000 $0 4.69%
    Brainerd, MN (FHA|USDA|VA) 5 $2,235,000 $447,000 $5,879 3.67%
    Madisonville, KY (FHA|USDA|VA) 37 $2,205,000 $59,595 $1,793 3.77%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 9 $2,195,000 $243,889 $2,065 4.43%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 6 $1,990,000 $331,667 $4,625 4.61%
    North Vernon, IN (FHA|USDA|VA) 25 $1,955,000 $78,200 $1,261 4.49%
    Bedford, IN (FHA|USDA|VA) 18 $1,770,000 $98,333 $1,233 4.70%
    Angola, IN (FHA|USDA|VA) 4 $1,550,000 $387,500 $2,259 3.45%
    RACINE, WI (FHA|USDA|VA) 14 $1,500,000 $107,143 $2,811 3.38%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 9 $1,495,000 $166,111 $2,166 4.46%
    TOLEDO, OH (FHA|USDA|VA) 11 $1,395,000 $126,818 $3,445 4.81%
    Hillsdale, MI (FHA|USDA|VA) 15 $1,225,000 $81,667 $2,055 4.11%
    DANVILLE, IL (FHA|USDA|VA) 26 $1,210,000 $46,538 $1,106 4.31%
    DULUTH, MN-WI (FHA|USDA|VA) 3 $1,105,000 $368,333 $0 5.15%
    Red Wing, MN (FHA|USDA|VA) 4 $1,010,000 $252,500 $4,973 4.47%
    SHEBOYGAN, WI (FHA|USDA|VA) 4 $1,010,000 $252,500 $1,528 4.68%
    New Castle, IN (FHA|USDA|VA) 9 $975,000 $108,333 $1,376 4.02%
    Beaver Dam, WI (FHA|USDA|VA) 5 $965,000 $193,000 $2,742 4.75%
    TUCSON, AZ (FHA|USDA|VA) 2 $890,000 $445,000 $3,321 3.69%
    Sturgis, MI (FHA|USDA|VA) 8 $820,000 $102,500 $1,955 4.37%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 3 $795,000 $265,000 $2,038 4.38%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $755,000 $755,000 $5,663 4.75%
    Kendallville, IN (FHA|USDA|VA) 4 $690,000 $172,500 $2,110 2.83%
    MUSKEGON, MI (FHA|USDA|VA) 6 $630,000 $105,000 $3,080 4.75%
    AKRON, OH (FHA|USDA|VA) 1 $585,000 $585,000 $0 5.42%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 4 $580,000 $145,000 $3,146 4.72%
    Big Rapids, MI (FHA|USDA|VA) 4 $570,000 $142,500 $2,330 4.37%
    Frankfort, IN (FHA|USDA|VA) 6 $560,000 $93,333 $1,088 4.96%
    FOND DU LAC, WI (FHA|USDA|VA) 6 $550,000 $91,667 $2,437 4.39%
    Menomonie, WI (FHA|USDA|VA) 4 $540,000 $135,000 $1,956 4.06%
    GREEN BAY, WI (FHA|USDA|VA) 3 $515,000 $171,667 $2,176 4.58%
    Decatur, IN (FHA|USDA|VA) 3 $495,000 $165,000 $2,940 4.17%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 4 $490,000 $122,500 $2,880 4.25%
    TULSA, OK (FHA|USDA|VA) 3 $475,000 $158,333 $3,668 4.92%
    Marion, IN (FHA|USDA|VA) 5 $475,000 $95,000 $1,832 4.15%
    Crawfordsville, IN (FHA|USDA|VA) 4 $470,000 $117,500 $1,538 4.37%
    BOWLING GREEN, KY (FHA|USDA|VA) 3 $465,000 $155,000 $2,553 4.83%
    ST. CLOUD, MN (FHA|USDA|VA) 2 $430,000 $215,000 $2,925 4.13%
    Scottsburg, IN (FHA|USDA|VA) 2 $420,000 $210,000 $2,904 4.13%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $420,000 $210,000 $3,466 4.38%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $415,000 $415,000 $3,515 4.63%
    Huntington, IN (FHA|USDA|VA) 3 $395,000 $131,667 $299 3.15%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $390,000 $195,000 $6,768 4.50%
    Bluffton, IN (FHA|USDA|VA) 3 $385,000 $128,333 $1,795 4.24%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $385,000 $385,000 $3,505 4.25%
    Greenville, OH (FHA|USDA|VA) 3 $375,000 $125,000 $299 4.04%
    Manitowoc, WI (FHA|USDA|VA) 1 $375,000 $375,000 $13,272 4.13%
    ROCKFORD, IL (FHA|USDA|VA) 4 $360,000 $90,000 $1,405 4.31%
    Fergus Falls, MN (FHA|USDA|VA) 1 $345,000 $345,000 $2,942 4.25%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 4 $340,000 $85,000 $1,453 4.52%
    Plymouth, IN (FHA|USDA|VA) 3 $335,000 $111,667 $2,203 4.29%
    Greensburg, IN (FHA|USDA|VA) 3 $335,000 $111,667 $1,458 3.75%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $300,000 $150,000 $2,178 4.43%
    FLINT, MI (FHA|USDA|VA) 2 $290,000 $145,000 $2,912 4.69%
    Richmond, IN (FHA|USDA|VA) 2 $280,000 $140,000 $1,089 4.19%
    Charleston-Mattoon, IL (FHA|USDA|VA) 2 $280,000 $140,000 $3,256 4.00%
    Hutchinson, MN (FHA|USDA|VA) 4 $260,000 $65,000 $3,266 4.12%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $250,000 $125,000 $393 4.56%
    Coldwater, MI (FHA|USDA|VA) 3 $235,000 $78,333 $1,972 4.29%
    Freeport, IL (FHA|USDA|VA) 2 $230,000 $115,000 $2,152 4.63%
    COLUMBUS, OH (FHA|USDA|VA) 1 $205,000 $205,000 $3,453 4.75%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $205,000 $205,000 $2,629 3.75%
    KOKOMO, IN (FHA|USDA|VA) 3 $205,000 $68,333 $2,329 5.00%
    BOULDER, CO (FHA|USDA|VA) 1 $205,000 $205,000 $2,944 4.38%
    Marshall, MN (FHA|USDA|VA) 1 $175,000 $175,000 $3,174 4.88%
    Auburn, IN (FHA|USDA|VA) 3 $155,000 $51,667 $3,441 4.37%
    Cañon City, CO (FHA|USDA|VA) 1 $145,000 $145,000 $3,101 4.75%
    Newport, OR (FHA|USDA|VA) 1 $145,000 $145,000 $3,934 4.75%
    Alexandria, MN (FHA|USDA|VA) 1 $135,000 $135,000 $3,817 4.88%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $120,000 $60,000 $2,469 4.63%
    Iron Mountain, MI-WI (FHA|USDA|VA) 1 $115,000 $115,000 $0 2.49%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $105,000 $105,000 $1,962 4.63%
    Willmar, MN (FHA|USDA|VA) 2 $100,000 $50,000 $3,302 3.50%
    Bardstown, KY (FHA|USDA|VA) 2 $100,000 $50,000 $0 4.74%
    Peru, IN (FHA|USDA|VA) 1 $85,000 $85,000 $2,861 4.38%
    Ludington, MI (FHA|USDA|VA) 1 $75,000 $75,000 $2,303 3.63%
    Mount Vernon, IL (FHA|USDA|VA) 1 $65,000 $65,000 $299 5.00%
    Grand Rapids, MN (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.10%
    Danville, KY (FHA|USDA|VA) 1 $55,000 $55,000 $0 2.74%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.24%
    Van Wert, OH (FHA|USDA|VA) 1 $45,000 $45,000 $2,679 4.75%
    Old National Bank's top markets include Grand Rapids, Indianapolis, Ann Arbor, Madison, and Evansville among others.

    Their top states include:
  • Indiana (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Old National Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,589 $964,875,000 $210,258 $2,064 4.67%
    HELOC 2,833 $252,535,000 $89,140 n/a 3.27%
    FHA 166 $23,550,000 $141,867 $5,079 4.61%
    USDA 53 $6,205,000 $117,075 $3,699 4.56%
    VA 46 $9,450,000 $205,435 $4,763 4.37%

    For 2018, Old National Bank's most frequently originated type of loan was Conventional, with 4,589 originations. Their 2nd most popular type was HELOC, with 2,833 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,830 $691,630,000 $244,392 $2,998 4.58%
    Refi 1,558 $240,790,000 $154,551 $970 4.20%
    Other 1,509 $148,565,000 $98,453 $707 3.57%
    Home Improvement 1,350 $90,030,000 $66,689 $619 3.73%
    Cash Out Refi 440 $85,600,000 $194,545 $2,486 4.53%

    For 2018, Old National Bank's most frequently cited loan purpose was Home Purchase, with 2,830 originations. The 2nd most popular reason was Refi, with 1,558 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 3,349 $339,105,000 $101,256 $542 3.57%
    30 Year 2,757 $573,195,000 $207,905 $2,875 4.62%
    15 Year 658 $104,830,000 $159,316 $1,876 4.25%
    10 Year 315 $29,995,000 $95,222 $496 4.86%
    30+ year 249 $80,685,000 $324,036 $2,652 4.79%
    5 Year 199 $88,095,000 $442,688 $273 4.97%
    20 Year 154 $24,410,000 $158,506 $1,781 4.65%
    3 Year 6 $16,300,000 $2,716,667 $183 4.53%

    For 2018, Old National Bank's most frequently cited loan duration was Other, with 3,349 originations. The 2nd most popular length was 30 Year, with 2,757 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 3,487 $573,105,000 $164,355
    $1k-2k 786 $199,910,000 $254,338
    $2k-3k 111 $25,305,000 $227,973
    $3k-4k 38 $11,340,000 $298,421
    $4k-5k 22 $6,890,000 $313,182
    $5k+ 12 $4,560,000 $380,000

    Old National Bank's average total fees were $2,875, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,487 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 3,742 $761,190,000 $203,418
    3-4% 1,248 $207,530,000 $166,290
    5-6% 1,066 $116,420,000 $109,212
    <2.5% 930 $128,730,000 $138,419
    2.5-3% 610 $38,410,000 $62,967
    6-7% 85 $4,275,000 $50,294
    Over 8% 1 $35,000 $35,000

    During 2018, Old National Bank's average interest rate for loans was 4.62%, while their most frequently originated rate bucket for loans was 4-5%, with 3,742 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 3,592 $177,900,000 $49,527 $1,148 4.14%
    $100k-200k 2,253 $312,925,000 $138,893 $2,417 4.14%
    $200k-400k 1,345 $363,955,000 $270,599 $2,973 4.21%
    $400k-600k 290 $137,690,000 $474,793 $3,322 4.20%
    $600k-1MM 153 $112,285,000 $733,889 $3,931 4.08%
    $1MM+ 54 $151,860,000 $2,812,222 $5,657 4.40%

    2018 saw Old National Bank place emphasis on $100,000 or less loans with 3,592 originations, totaling $177,900,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,533 $160,165,000 $104,478 $2,141 4.29%
    $50k or less 1,532 $118,450,000 $77,317 $1,958 4.38%
    $100k-150k 1,383 $204,845,000 $148,116 $2,263 4.01%
    $75k-100k 1,190 $140,730,000 $118,261 $2,048 4.17%
    $150k-250k 984 $214,090,000 $217,571 $2,554 3.91%
    $250k+ 634 $227,410,000 $358,691 $3,077 3.73%

    Old National Bank lent most frequently to those with incomes in the $50k-75k range, with 1,533 originations. The second most popular income band? $50k or less, with 1,532 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,197 $308,085,000 $140,230 $2,032 4.07%
    30-36% 1,515 $212,805,000 $140,465 $2,099 4.20%
    <20% 1,284 $164,770,000 $128,326 $1,760 3.87%
    41% 276 $43,980,000 $159,348 $2,773 3.98%
    38% 264 $41,430,000 $156,932 $2,416 4.20%
    36% 249 $35,495,000 $142,550 $2,099 4.27%
    37% 244 $36,620,000 $150,082 $2,460 4.32%
    39% 239 $37,745,000 $157,929 $2,136 4.40%
    42% 213 $31,885,000 $149,695 $2,801 4.13%
    40% 203 $30,235,000 $148,941 $2,295 4.22%
    43% 131 $24,735,000 $188,817 $2,995 4.35%
    44% 119 $20,215,000 $169,874 $2,886 4.33%
    45% 107 $19,065,000 $178,178 $2,735 4.44%
    49% 99 $20,295,000 $205,000 $2,971 4.58%
    48% 90 $17,550,000 $195,000 $2,815 4.49%
    46% 85 $15,295,000 $179,941 $3,048 4.51%
    47% 84 $16,910,000 $201,310 $2,816 4.46%
    50-60% 60 $15,270,000 $254,500 $3,725 4.18%
    >60% 28 $5,150,000 $183,929 $2,070 3.73%

    Old National Bank lent most frequently to those with DTI ratios of 20-30%, with 2,197 originations. The next most common DTI ratio? 30-36%, with 1,515 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 6,433 $948,885,000 $147,503 $2,225 4.17%
    Not applicable 162 $152,970,000 $944,259 $0 5.01%
    Not provided 804 $102,430,000 $127,400 $1,748 3.74%
    Asian 133 $31,085,000 $233,722 $2,905 4.30%
    Black 111 $15,165,000 $136,622 $2,959 4.54%
    American Indian 13 $2,005,000 $154,231 $2,233 4.50%
    Asian Indian 11 $1,965,000 $178,636 $497 3.54%
    Korean 3 $575,000 $191,667 $3,687 3.41%
    Native Hawaiian or Islander 4 $360,000 $90,000 $1,802 4.34%
    Other Asian 4 $350,000 $87,500 $981 4.47%
    Filipino 3 $335,000 $111,667 $0 3.44%
    Chinese 3 $285,000 $95,000 $0 3.32%
    Other Pacific Islander 2 $140,000 $70,000 $2,137 5.81%
    Vietnamese 1 $65,000 $65,000 $299 3.88%

    Approval Rates

    Total approvals of all applications
    78.74%

    Old National Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    87.62%

    Old National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 7,687 $1,256,615,000 $163,473

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 72 $138,430,000 $1,922,639
    Single Family (1-4 Units):Manufactured 34 $3,030,000 $89,118
    Single Family (1-4 Units):Site-Built 7,581 $1,115,155,000 $147,099

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,508 $127,240,000 $84,377 $868 3.65%
    40-60% 891 $138,485,000 $155,426 $1,628 3.92%
    60-80% 1,753 $368,925,000 $210,454 $2,360 4.39%
    80-100% 1,975 $523,645,000 $265,137 $2,990 4.53%
    Over 100% 61 $41,215,000 $675,656 $8,031 4.99%
    Under 20% 1,495 $56,695,000 $37,923 $369 3.99%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    OLD NATIONAL BANK Conventional home mortgage Struggling to pay mortgage 2 25.0%
    OLD NATIONAL BANK Conventional home mortgage Trouble during payment process 3 37.5%
    OLD NATIONAL BANK Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 12.5%
    OLD NATIONAL BANK Other type of mortgage Trouble during payment process 2 25.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Old National Bank 1 Main Street Evansville, IN 47708 Full Service B&M $663,678
    Old National Bank 1 Monument Circle, Ste 150 Indianapolis, IN 46204 Full Service B&M $228,987
    Old National Bank 1 North Indiana Street Greencastle, IN 46135 Full Service B&M $113,550
    Old National Bank 100 North 2nd Street Lafayette, IN 47901 Full Service B&M $81,526
    Old National Bank 100 North Main Street Evansville, IN 47711 Full Service B&M $55,123
    Old National Bank 100 South Meridian Street Winchester, IN 47394 Full Service B&M $104,953
    Old National Bank 101 North Broadway Stanley, WI 54768 Full Service B&M $32,897
    Old National Bank 101 North Second Street Mankato, MN 56001 Full Service B&M $44,905
    Old National Bank 10140 Lima Road Fort Wayne, IN 46818 Full Service B&M $52,075
    Old National Bank 1020 Washington Street Columbus, IN 47201 Full Service B&M $66,078
    Old National Bank 1030 Hastings Avenue St. Paul Park, MN 55071 Full Service B&M $35,885
    Old National Bank 1065 S Lake Street Neenah, WI 54956 Full Service B&M $34,474
    Old National Bank 10710 Town Square Drive N.E. Blaine, MN 55449 Full Service B&M $190,517
    Old National Bank 110 East Main Street Muncie, IN 47305 Full Service B&M $59,353
    Old National Bank 111 East Main Street Manchester, MI 48158 Full Service B&M $41,610
    Old National Bank 1117 E. Tipton Street Seymour, IN 47274 Full Service B&M $88,269
    Old National Bank 1155 Main Street Ferdinand, IN 47532 Full Service B&M $136,424
    Old National Bank 116 East Berry Street Fort Wayne, IN 46802 Full Service B&M $303,385
    Old National Bank 120 North Buffalo Street Warsaw, IN 46580 Full Service B&M $39,331
    Old National Bank 1215 Southtown Blvd. Owensboro, KY 42301 Full Service B&M $18,072
    Old National Bank 1220 W Northland Avenue Appleton, WI 54914 Full Service B&M $39,821
    Old National Bank 1227 James Avenue Bedford, IN 47421 Full Service B&M $30,824
    Old National Bank 123 West 4th Street, Ste. 100 Owensboro, KY 42303 Full Service B&M $34,874
    Old National Bank 1233 Eddy Street, Suite 101 South Bend, IN 46617 Full Service B&M $23,746
    Old National Bank 1240 County Road E Arden Hills, MN 55112 Full Service B&M $163,362
    Old National Bank 128 West Ohio Street Rockville, IN 47872 Full Service B&M $41,461
    Old National Bank 130 North Morgan Street Morganfield, KY 42437 Full Service B&M $0
    Old National Bank 130 North Morgan Street Morganfield, KY 42437 Full Service B&M $66,388
    Old National Bank 130 South Main Street Suite 100 South Bend, IN 46601 Full Service B&M $40,671
    Old National Bank 1305 Veterans Parkway Clarksville, IN 47129 Full Service B&M $19
    Old National Bank 131 East Main Cross Street Greenville, KY 42345 Full Service B&M $142,274
    Old National Bank 13221 Darmstadt Road Evansville, IN 47725 Full Service B&M $73,802
    Old National Bank 135 Central Avenue North Wayzata, MN 55391 Full Service B&M $288,203
    Old National Bank 1360 Duckwood Drive Eagan, MN 55123 Full Service B&M $186,678
    Old National Bank 140 Columbia Avenue West Battle Creek, MI 49015 Full Service B&M $69,447
    Old National Bank 140 S Creasy Lane Lafayette, IN 47905 Full Service B&M $70,221
    Old National Bank 14179 Clay Terrace Blvd, Ste 160 Carmel, IN 46032 Full Service B&M $25,482
    Old National Bank 1420 North State Street North Vernon, IN 47265 Full Service B&M $77,703
    Old National Bank 1422 South Winter Street Adrian, MI 49221 Full Service B&M $58,529
    Old National Bank 1430 South Range Line Road Carmel, IN 46032 Full Service B&M $74,747
    Old National Bank 1440 West Maumee Adrian, MI 49221 Full Service B&M $107,378
    Old National Bank 1703 West Broadway Princeton, IN 47670 Full Service B&M $108,555
    Old National Bank 14665 Galaxie Avenue, Ste. 100 Apple Valley, MN 55124 Full Service B&M $62,205
    Old National Bank 1490 North Green Street Brownsburg, IN 46112 Full Service B&M $24,876
    Old National Bank 150 North Ludington Street Columbus, WI 53925 Full Service B&M $23,698
    Old National Bank 1501 North Broadway Anderson, IN 46012 Full Service B&M $59,360
    Old National Bank 1510 W Southport Road Indianapolis, IN 46217 Full Service B&M $35,091
    Old National Bank 1516 West Main Street Sun Prairie, WI 53590 Full Service B&M $47,059
    Old National Bank 15600 W Cleveland Ave New Berlin, WI 53151 Full Service B&M $23,345
    Old National Bank 1570 Concordia Avenue, Ste. 100 Saint Paul, MN 55104 Full Service B&M $255,473
    Old National Bank 15941 Cumberland Road Noblesville, IN 46060 Full Service B&M $16,907
    Old National Bank 1600 Utica Avenue S., Suite 400 Saint Louis Park, MN 55416 Full Service B&M $0
    Old National Bank 161 Monroe Street, N.W. Grand Rapids, MI 49503 Full Service B&M $26,972
    Old National Bank 1650 West Michigan Avenue Jackson, MI 49202 Full Service B&M $64,898
    Old National Bank 1712 12th St Monroe, WI 53566 Full Service B&M $37,964
    Old National Bank 1720 Us Highway 51 And 138 Stoughton, WI 53589 Full Service B&M $22,033
    Old National Bank 1800 Lincoln Avenue Evansville, IN 47714 Limited, Mobile/Seasonal Office $0
    Old National Bank 18200 West Capitol Drive, Ste 100 Brookfield, WI 53045 Full Service B&M $88,075
    Old National Bank 1825 Lafayette Avenue Terre Haute, IN 47804 Full Service B&M $48,273
    Old National Bank 1889 Springdale Street Mount Horeb, WI 53572 Full Service B&M $22,663
    Old National Bank 1903 South 11th Street Niles, MI 49120 Full Service B&M $32,780
    Old National Bank 1905 Hart Street Vincennes, IN 47591 Full Service B&M $53,939
    Old National Bank 1920 Donegal Drive Woodbury, MN 55125 Full Service B&M $52,499
    Old National Bank 1925 Lincoln Avenue Evansville, IN 47714 Full Service B&M $53,080
    Old National Bank 2 West Main Street Danville, IL 61832 Full Service B&M $125,691
    Old National Bank 20 North Third Street Vincennes, IN 47591 Full Service B&M $135,106
    Old National Bank 200 North Maple Saline, MI 48176 Full Service B&M $72,867
    Old National Bank 201 South Main Street Shoals, IN 47581 Full Service B&M $30,123
    Old National Bank 204 S Century Ave Suite A1 Waunakee, WI 53597 Full Service B&M $41,908
    Old National Bank 205 East Chicago Boulevard Tecumseh, MI 49286 Full Service B&M $97,853
    Old National Bank 205 West Grand River Suite 102 Brighton, MI 48116 Full Service B&M $27,985
    Old National Bank 2121 West Franklin Street Evansville, IN 47712 Full Service B&M $142,983
    Old National Bank 216 Cottage Grove Road Madison, WI 53716 Full Service B&M $55,091
    Old National Bank 219 South Scatterfield Road Anderson, IN 46012 Full Service B&M $26,672
    Old National Bank 2215 Holiday Drive Janesville, WI 53545 Full Service B&M $63,489
    Old National Bank 224 West Main Street Boonville, IN 47601 Full Service B&M $97,341
    Old National Bank 23 West Main Street Madison, WI 53703 Full Service B&M $114,781
    Old National Bank 2312 Charles Street Anderson, IN 46013 Full Service B&M $32,816
    Old National Bank 2401 South Madison Street Muncie, IN 47302 Full Service B&M $42,194
    Old National Bank 2429 Poplar Street Terre Haute, IN 47803 Full Service B&M $41,818
    Old National Bank 2431 North Vermilion Street Danville, IL 61832 Full Service B&M $34,728
    Old National Bank 249 East Main Street Lexington, KY 40507 Full Service B&M $27,988
    Old National Bank 2490 S Walnut St Bloomington, IN 47401 Full Service B&M $99,493
    Old National Bank 260 Tecumseh Street Dundee, MI 48131 Full Service B&M $60,916
    Old National Bank 2700 East Seventh Avenue North Saint Paul, MN 55109 Full Service B&M $73,943
    Old National Bank 2700 West Jackson Street Muncie, IN 47303 Full Service B&M $41,529
    Old National Bank 2723 South State Street, Ste 110 Ann Arbor, MI 48104 Full Service B&M $121,447
    Old National Bank 2801 E Buick Cadillac Blvd Bloomington, IN 47401 Full Service B&M $193,418
    Old National Bank 2929 N Sherman Ave Madison, WI 53704 Full Service B&M $77,560
    Old National Bank 301 Second Street Henderson, KY 42420 Full Service B&M $122,970
    Old National Bank 301 South 2nd Street Central City, KY 42330 Full Service B&M $31,633
    Old National Bank 3012 W. Parrish Owensboro, KY 42301 Full Service B&M $17,434
    Old National Bank 302 Bay St Chippewa Falls, WI 54729 Full Service B&M $27,104
    Old National Bank 302 North Midvale Blvd Madison, WI 53705 Full Service B&M $83,686
    Old National Bank 3052 Cahill Main Fitchburg, WI 53711 Full Service B&M $21,186
    Old National Bank 306 East Kirkwood Avenue Bloomington, IN 47408 Full Service B&M $186,692
    Old National Bank 3100 North Morrison Road Muncie, IN 47304 Full Service B&M $43,074
    Old National Bank 311 S.E. 21st Street Washington, IN 47501 Full Service B&M $119,484
    Old National Bank 3125 Cleveland Avenue Saint Joseph, MI 49085 Full Service B&M $17,901
    Old National Bank 316 W Spring St Dodgeville, WI 53533 Full Service B&M $27,587
    Old National Bank 318 West Michigan Kalamazoo, MI 49007 Full Service B&M $23,116
    Old National Bank 320 North Main Elkhart, IN 46516 Full Service B&M $79,705
    Old National Bank 320 South High Street Muncie, IN 47305 Full Service B&M $0
    Old National Bank 3201 Portage Street Kalamazoo, MI 49001 Full Service B&M $28,709
    Old National Bank 3230 Mount Moriah Avenue Owensboro, KY 42303 Full Service B&M $22,313
    Old National Bank 324 East Hospital Road Paoli, IN 47454 Full Service B&M $80,264
    Old National Bank 324 Oak Street Farmington, MN 55024 Full Service B&M $51,836
    Old National Bank 327 East Fourth Street Huntingburg, IN 47542 Full Service B&M $44,879
    Old National Bank 331 West Main Street Hudson, MI 49247 Full Service B&M $50,734
    Old National Bank 333 E Main St, Ste 100 Louisville, KY 40202 Full Service B&M $118,124
    Old National Bank 333 S Westfield Rd Madison, WI 53717 Full Service B&M $61,730
    Old National Bank 3406 Oakwood Hills Parkway Suite 100 Eau Claire, WI 54701 Full Service B&M $8,623
    Old National Bank 3503 Paramount Drive West Lafayette, IN 47906 Full Service B&M $45,436
    Old National Bank 3535 North Green River Road Evansville, IN 47715 Full Service B&M $52,688
    Old National Bank 355 S Zeeb Rd Ann Arbor, MI 48103 Full Service B&M $20,441
    Old National Bank 3553 Promenade Pkwy Lafayette, IN 47909 Full Service B&M $57,644
    Old National Bank 3603 Newton Street Jasper, IN 47546 Full Service B&M $38,806
    Old National Bank 3805 25th Street Columbus, IN 47203 Full Service B&M $82,510
    Old National Bank 385 South Main Street Zionsville, IN 46077 Full Service B&M $94,511
    Old National Bank 3888 First Avenue Evansville, IN 47710 Full Service B&M $128,871
    Old National Bank 3950 Vinewood Lane N Plymouth, MN 55441 Full Service B&M $28,082
    Old National Bank 400 N. Hurstbourne Parkway Louisville, KY 40222 Full Service B&M $43,275
    Old National Bank 401 Washington Street Covington, IN 47932 Full Service B&M $101,051
    Old National Bank 402 Main Street Mount Vernon, IN 47620 Full Service B&M $89,564
    Old National Bank 407 South Main Street Clinton, IN 47842 Full Service B&M $61,056
    Old National Bank 4191 West Third Street Bloomington, IN 47404 Full Service B&M $164,690
    Old National Bank 420 South Koeller Street Front Oshkosh, WI 54902 Full Service B&M $82,651
    Old National Bank 420 West Verona Avenue Verona, WI 53593 Full Service B&M $39,224
    Old National Bank 4201 Shelbyville Road Louisville, KY 40207 Full Service B&M $41,941
    Old National Bank 4303 Lahmeyer Road Fort Wayne, IN 46815 Full Service B&M $35,268
    Old National Bank 4330 West Jonathon Moore Pike Columbus, IN 47201 Full Service B&M $28,235
    Old National Bank 4431 West Centre Avenue Portage, MI 49024 Full Service B&M $65,898
    Old National Bank 4500 Washington Avenue Evansville, IN 47714 Full Service B&M $155,361
    Old National Bank 4616 West Richland Plaza Bloomington, IN 47404 Full Service B&M $48,586
    Old National Bank 4675 Us Highway 41 South Terre Haute, IN 47802 Full Service B&M $68,017
    Old National Bank 4702 East Towne Blvd. Madison, WI 53704 Full Service B&M $42,707
    Old National Bank 4805 East 96th Street Indianapolis, IN 46240 Full Service B&M $34,227
    Old National Bank 4950 East County Line Road Indianapolis, IN 46237 Full Service B&M $42,132
    Old National Bank 500 E Walworth Ave Delavan, WI 53115 Full Service B&M $30,488
    Old National Bank 500 Marschall Road Shakopee, MN 55379 Full Service B&M $37,145
    Old National Bank 5003 Century Avenue Kalamazoo, MI 49006 Full Service B&M $81,548
    Old National Bank 501 Hospital Drive Madisonville, KY 42431 Full Service B&M $107,134
    Old National Bank 602 West Broadway Street Loogootee, IN 47553 Full Service B&M $30,059
    Old National Bank 501 Virginia Avenue, Ste 103 Indianapolis, IN 46203 Full Service B&M $7,010
    Old National Bank 5020 East Beltline Avenue Ne, Grand Rapids, MI 49525 Full Service B&M $29,643
    Old National Bank 5101 South 27th Street Greenfield, WI 53221 Full Service B&M $40,797
    Old National Bank 5124 Pearl Drive Evansville, IN 47712 Full Service B&M $76,701
    Old National Bank 5200 Cascade Road, S.E. Grand Rapids, MI 49546 Full Service B&M $159,617
    Old National Bank 529 W. Main Street Tell City, IN 47586 Full Service B&M $117,342
    Old National Bank 550 West Burnsville Parkway, Ste. 100 Burnsville, MN 55337 Full Service B&M $25,074
    Old National Bank 5601 Wilson Ave, S.W. Grandville, MI 49418 Full Service B&M $44,649
    Old National Bank 5750 Raymond Road Madison, WI 53711 Full Service B&M $48,119
    Old National Bank 5810 Gull Road Kalamazoo, MI 49048 Full Service B&M $28,326
    Old National Bank 600 E Blackhawk Ave Prairie Du Chien, WI 53821 Full Service B&M $32,749
    Old National Bank 601 S Main Street De Forest, WI 53532 Full Service B&M $33,398
    Old National Bank 6135 North College Avenue Indianapolis, IN 46220 Full Service B&M $75,843
    Old National Bank 618 Wisconsin 69 New Glarus, WI 53574 Full Service B&M $15,004
    Old National Bank 6240 Century Ave Middleton, WI 53562 Full Service B&M $36,840
    Old National Bank 640 Division Street Stevens Point, WI 54481 Full Service B&M $86,364
    Old National Bank 6430 W. Jefferson Blvd Fort Wayne, IN 46804 Full Service B&M $53,800
    Old National Bank 6501 Monona Dr Monona, WI 53716 Full Service B&M $50,475
    Old National Bank 66 E Thompson Avenue E., Ste. A West Saint Paul, MN 55118 Full Service B&M $123,006
    Old National Bank 701 Wabash Avenue Terre Haute, IN 47808 Full Service B&M $0
    Old National Bank 701 Wabash Avenue, Ste 100 Terre Haute, IN 47808 Full Service B&M $163,255
    Old National Bank 7030 Heritage Square Drive Granger, IN 46530 Full Service B&M $63,659
    Old National Bank 705 North Main Street Oregon, WI 53575 Full Service B&M $23,236
    Old National Bank 708 N Madison St Lancaster, WI 53813 Full Service B&M $32,736
    Old National Bank 7200 Dexter-Ann Arbor Road Dexter, MI 48130 Full Service B&M $33,937
    Old National Bank 7401 West Greenfield Avenue West Allis, WI 53214 Full Service B&M $37,784
    Old National Bank 771 Second Street Jasper, IN 47546 Full Service B&M $40,620
    Old National Bank 775 Prairie Center Drive, Ste. 100 Eden Prairie, MN 55344 Full Service B&M $39,391
    Old National Bank 80 S Court St Platteville, WI 53818 Full Service B&M $30,888
    Old National Bank 802 Edwards Drive Plainfield, IN 46168 Full Service B&M $45,530
    Old National Bank 835 North Burkhardt Road Evansville, IN 47715 Full Service B&M $113,108
    Old National Bank 8577 Ruffian Lane Newburgh, IN 47630 Full Service B&M $151,011
    Old National Bank 8600 University Boulevard Evansville, IN 47712 Limited, Mobile/Seasonal Office $0
    Old National Bank 886 Sycamore Rockport, IN 47635 Full Service B&M $47,453
    Old National Bank 8930 E 56th St Indianapolis, IN 46216 Full Service B&M $38,843
    Old National Bank 900 South State Road 135 Greenwood, IN 46143 Full Service B&M $53,011
    Old National Bank 9202 202nd Street West, Ste. 100 Lakeville, MN 55044 Full Service B&M $18,736
    Old National Bank 961 Washington Avenue Evansville, IN 47713 Full Service B&M $22,706
    Old National Bank 9708 Brownsboro Road Louisville, KY 40241 Full Service B&M $12,651
    Old National Bank 9720 East U.S. Highway 36 Avon, IN 46123 Full Service B&M $16,655
    Old National Bank 9765 E 116th St Fishers, IN 46037 Full Service B&M $45,075
    Old National Bank 9898 Illinois Road Fort Wayne, IN 46804 Full Service B&M $53,255
    Old National Bank 9901 Fall Creek Road Indianapolis, IN 46256 Full Service B&M $34,650
    Old National Bank One Dcb Plaza Jasper, IN 47546 Full Service B&M $132,751
    Old National Bank W7829 State Road 21-73 Wautoma, WI 54982 Full Service B&M $19,364
    Old National Bank West 3160 County Road Kk Appleton, WI 54915 Full Service B&M $19,380

    For 2018, Old National Bank had 189 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $631,907
    Net interest income $547,889
    Total noninterest income $191,352
    Gross Fiduciary activities income $37,040
    Service charges on deposit accounts $44,026
    Trading account gains and fees $0
    Additional Noninterest Income $110,286
    Pre-tax net operating income $236,879
    Securities gains (or losses, -) $1,972
    Income before extraordinary items $215,308
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $215,308
    Minority interest net income $0
    Net income $215,308
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $213,533

    Old National Bank's gross interest income from loans was $631,907,000.
    Old National Bank's net interest income from loans was $547,889,000.
    Old National Bank's fee based income from loans was $44,026,000.
    Old National Bank's net income from loans was $215,308,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $84,018
    Provision for credit losses $6,966
    Total noninterest expense $495,396
    Salaries and employee benefits $234,294
    Premises and equipment expense $61,247
    Additional noninterest expense $199,855
    Applicable income taxes $23,543
    Net charge-offs $1,886
    Cash dividends $105,000

    Old National Bank's interest expense for loans was $84,018,000.
    Old National Bank's payroll and benefits expense were $234,294,000.
    Old National Bank's property, plant and equipment expenses $61,247,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 2.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 5.0%

    Deposits

    Type Value (in 000's)
    Total deposits $14,444,715
    Deposits held in domestic offices $14,444,715
    Deposits by Individuals, partnerships, and corporations $13,538,485
    Deposits by U.S. Government $95
    Deposits by States and political subdivisions in the U.S. $905,842
    Deposits by Commercial banks and other depository institutions in U.S. $293
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,148,422
    Demand deposits $834,232
    Nontransaction accounts $13,296,293
    Money market deposit accounts (MMDAs) $8,137,945
    Other savings deposits (excluding MMDAs) $3,139,004
    Total time deposits $2,019,343
    Total time and savings deposits $13,610,483
    Noninterest-bearing deposits $834,232
    Interest-bearing deposits $13,610,483
    Retail deposits $13,652,759
    IRAs and Keogh plan accounts $275,770
    Brokered deposits $179,065
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $19,633,838
    Cash & Balances due from depository institutions $317,165
    Interest-bearing balances $33,162
    Total securities $4,628,226
    Federal funds sold & reverse repurchase $0
    Net loans and leases $12,203,353
    Loan and leases loss allowance $55,461
    Trading account assets $12,618
    Bank premises and fixed assets $485,694
    Other real estate owned $1,906
    Goodwill and other intangibles $1,137,771
    All other assets $847,105

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $19,633,838
    Total Liabilities $16,864,672
    Total deposits $14,444,715
    Interest-bearing deposits $13,610,483
    Deposits held in domestic offices $14,444,715
    % insured (estimated) $66
    Federal funds purchased and repurchase agreements $632,429
    Trading liabilities $2,772
    Other borrowed funds $1,607,526
    Subordinated debt $12,000
    All other liabilities $165,230

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $12,203,353
    Loan and leases loss allowance $55,461
    Total loans and leases (domestic) $12,258,814
    All real estate loans $8,010,885
    Real estate loans in domestic offices $8,010,885
    Construction and development loans $801,874
    Residential 1-4 family construction $53,276
    Other construction, all land development and other land $748,598
    Loans secured by nonfarm nonresidential properties $3,052,889
    Nonfarm nonresidential secured by owner-occupied properties $1,414,005
    Commercial real estate & other non-farm, non-residential $1,638,884
    Multifamily residential real estate $853,213
    1-4 family residential loans $3,130,485
    Farmland loans $172,424
    Loans held in foreign offices $0
    Farm loans $120,322
    Commercial and industrial loans $2,441,953
    To non-U.S. addressees $0
    Loans to individuals $1,135,727
    Credit card loans $0
    Related Plans $25,827
    Consumer Auto Loans $987,198
    Other loans to individuals $122,702
    All other loans & leases $549,927
    Loans to foreign governments and official institutions $0
    Other loans $8,681
    Loans to depository institutions and acceptances of other banks $152
    Loans not secured by real estate $217,113
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $15,516
    Non 1-4 family restructured loans & leases $12,892
    Total loans and leases (foreign) $0

    Old National Bank had $12,203,353,000 of loans outstanding in 2018. $8,010,885,000 of loans were in real estate loans. $801,874,000 of loans were in development loans. $853,213,000 of loans were in multifamily mortgage loans. $3,130,485,000 of loans were in 1-4 family mortgage loans. $120,322,000 of loans were in farm loans. $0 of loans were in credit card loans. $987,198,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 2,809 $715,356 $254,666
    Nonfarm, nonresidential loans - <$100k 478 $21,799 $45,605
    Nonfarm, nonresidential loans - $100-250k 873 $111,146 $127,315
    Nonfarm, nonresidential loans - $250k-1MM 1,458 $582,411 $399,459
    Commercial & Industrial, US addressed loans - <$1MM 7,626 $675,056 $88,520
    Commercial & Industrial, US addressed loans - <$100k 4,484 $101,077 $22,542
    Commercial & Industrial, US addressed loans - $100-250k 1,531 $139,984 $91,433
    Commercial & Industrial, US addressed loans - $250k-1MM 1,611 $433,995 $269,395
    Farmland loans - <$1MM 632 $80,245 $126,970
    Farmland loans - <$100k 220 $8,573 $38,968
    Farmland loans - $100-250k 259 $31,598 $122,000
    Farmland loans - $250k-1MM 153 $40,074 $261,922
    Agriculture operations loans - <$1MM 764 $54,263 $71,025
    Agriculture operations loans - <$100k 473 $12,028 $25,429
    Agriculture operations loans - $100-250k 182 $17,494 $96,121
    Agriculture operations loans - $250k-1MM 109 $24,741 $226,982