PlainLender

The Fisher National Bank

Fisher, IL

The Fisher National Bank processed 345 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 307 loans with a 5.2% denial rate. Home Purchase was the primary loan purpose. Based in Fisher, IL. The approval rate of 89.0% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. The Fisher National Bank processed 345 HMDA-reported mortgage applications in 2024, originating 307 loans and denying 18 for a denial rate of 5.2% (applicants themselves withdrew 2 files before a decision). The average loan amount was $149,087 at a 6.625% average note rate, and applicants self-reported an average income of $40,000. The lender reports under LEI 5493004LTLRA7Y5L3696 from Fisher, IL.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. The Fisher National Bank's 89.0% origination rate tells you how often an application turned into funded money; the 5.2% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (341 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

345
Applications
307
Originated
5.2%
Denial Rate
$149,087
Avg Loan Amount
Avg Interest Rate: 6.625% Avg Applicant Income: $40,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 341 304 17 $148,079
USDA 3 3 0 $205,000
FHA 1 0 1 $325,000

Top loan types — The Fisher National Bank

Top loan types — The Fisher National Bank Horizontal bar chart of the top 3 items by value (applications). Top loan types — The Fisher National Bank Top 3 1. Conventional 341 2. USDA 3 3. FHA 1 Top 5 loan types by application volume at The Fisher National Bank (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for The Fisher National Bank (LEI: 5493004LTLRA7Y5L3696) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 205 178 $163,293
Refinancing 78 72 $144,231
Cash-out Refinancing 46 44 $124,348
Other 14 11 $63,571
Home Improvement 2 2 $50,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 297 89.2% 5.0%
Black or African American 8 87.5% 12.5%
Asian 3 100.0% 0.0%
Joint 3 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 304 90.1% 4.6%
Hispanic or Latino 4 75.0% 25.0%
Joint 2 50.0% 0.0%

Nearby Lenders in IL

Other HMDA-reporting lenders in IL with similar activity. Compare any two side-by-side.

GUARANTEED RATE, INC.

CHICAGO, IL

124,492 apps 62,820 originated 5.1% denied

BMO Harris Bank NA

Chicago, IL

42,165 apps 18,166 originated 29.4% denied

Mutual of Omaha Mortgage

Lombard, IL

34,393 apps 19,951 originated 20.2% denied

GUARANTEED RATE AFFINITY, LLC

CHICAGO, IL

21,826 apps 14,587 originated 6.0% denied

THE FEDERAL SAVINGS BANK

CHICAGO, IL

20,656 apps 8,146 originated 9.3% denied
Compare The Fisher National Bank vs GUARANTEED RATE, INC. →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did The Fisher National Bank process?
The Fisher National Bank processed 345 mortgage applications in the 2023 HMDA reporting year. Of these, 307 were originated (approved and funded), 2 were withdrawn by the applicant, and 18 were denied.
What is The Fisher National Bank's mortgage approval rate?
The Fisher National Bank has an approval (origination) rate of 89.0%, meaning 89.0% of all applications resulted in a funded mortgage. The denial rate is 5.2%.
What is the average loan amount at The Fisher National Bank?
The average mortgage loan amount at The Fisher National Bank is $149,087. The average interest rate is 6.625%. The average applicant income is $40,000.
What types of mortgage loans does The Fisher National Bank offer?
The Fisher National Bank processes Conventional, USDA, FHA loans. The most common type is Conventional with 341 applications and an average loan amount of $148,079.
What loan purposes does The Fisher National Bank serve?
The Fisher National Bank serves the following loan purposes: Home Purchase (205 applications), Refinancing (78 applications), Cash-out Refinancing (46 applications), Other (14 applications), Home Improvement (2 applications). Home Purchase is the most common purpose.
Where is The Fisher National Bank located?
The Fisher National Bank is headquartered in Fisher, IL. The lender is identified by LEI 5493004LTLRA7Y5L3696 in HMDA data.
How does The Fisher National Bank compare in lending across racial demographics?
The Fisher National Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 89.2% and denial rate of 5.0%; Black or African American applicants have an approval rate of 87.5% and denial rate of 12.5%; Asian applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.