Crystal Lake Bank And Trust Mortgage Rates, Fees & Info
Rosemont, ILLEI: 3HICJPQ15PGZSBFDNJ82
Tax ID: 36-4196863
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Mortgage Data
Review & Overview
Crystal Lake Bank And Trust is a smaller bank specializing in Home Purchase and Refi loans. Crystal Lake Bank And Trust has a high proportion of conventional loans. Their top markets by origination volume include: Chicago, San Jose, Phoenix, San Francisco, and Los Angeles among others. We have data for 31 markets. (Some data included below & more in-depth data is available with an active subscription.)Crystal Lake Bank And Trust has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
90Origination Dollar Volume (All Markets)
$129,170,000Top 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 |
|---|---|---|---|---|---|
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 47 | $94,145,000 | $2,003,085 | $0 | 0.00% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $4,050,000 | $2,025,000 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $3,275,000 | $1,091,667 | $0 | 0.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $2,630,000 | $1,315,000 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $2,030,000 | $1,015,000 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $1,880,000 | $940,000 | $0 | 0.00% |
| Kalispell, MT (FHA|USDA|VA) | 4 | $1,780,000 | $445,000 | $0 | 0.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 4 | $1,670,000 | $417,500 | $0 | 0.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $1,455,000 | $1,455,000 | $0 | 0.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $1,325,000 | $1,325,000 | $0 | 0.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $1,265,000 | $1,265,000 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $1,265,000 | $1,265,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $0 | 0.00% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $1,135,000 | $1,135,000 | $0 | 0.00% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $1,065,000 | $1,065,000 | $0 | 0.00% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $1,025,000 | $1,025,000 | $0 | 0.00% |
| PEORIA, IL (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $0 | 0.00% |
| Ludington, MI (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $0 | 0.00% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $0 | 0.00% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $655,000 | $655,000 | $0 | 0.00% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 0.00% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $0 | 0.00% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 0.00% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 0.00% |
| RACINE, WI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| MADISON, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 90 | $129,170,000 | $1,435,222 | $0 | 0.00% |
For 2025, Crystal Lake Bank And Trust's most frequently originated type of loan was Conventional, with 90 originations.
Loan Reason
For 2025, Crystal Lake Bank And Trust's most frequently cited loan purpose was Home Purchase, with 65 originations. The 2nd most popular reason was Refi, with 18 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 90 | $129,170,000 | $1,435,222 | $0 | 0.00% |
For 2025, Crystal Lake Bank And Trust's most frequently cited loan duration was Other, with 90 originations.
Loan Sizing
2025 saw Crystal Lake Bank And Trust place emphasis on $1MM+ loans with 29 originations, totaling $102,575,000 in origination value.
Applicant Income
Crystal Lake Bank And Trust lent most frequently to those with incomes in the $250k+ range, with 36 originations. The second most popular income band? $150k-250k, with 11 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 90 | $129,170,000 | $1,435,222 | $0 | 0.00% |
Crystal Lake Bank And Trust lent most frequently to those with DTI ratios of Exempt%, with 90 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
Crystal Lake Bank And Trust has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination85.56%
Crystal Lake Bank And Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 90 | $129,170,000 | $1,435,222 |