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 two markets are Chicago and Rockford .Crystal Lake Bank And Trust 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.
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Originations
36Origination Dollar Volume (All Markets)
$11,970,000Top 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) | 34 | $11,360,000 | $334,118 | $0 | 0.00% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $45,000 | $45,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 36 | $11,970,000 | $332,500 | $0 | 0.00% |
For 2018, Crystal Lake Bank And Trust's most frequently originated type of loan was Conventional, with 36 originations.
Loan Reason
For 2018, Crystal Lake Bank And Trust's most frequently cited loan purpose was Home Purchase, with 20 originations. The 2nd most popular reason was Refi, with 13 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 36 | $11,970,000 | $332,500 | $0 | 0.00% |
For 2018, Crystal Lake Bank And Trust's most frequently cited loan duration was Other, with 36 originations.
Loan Sizing
2018 saw Crystal Lake Bank And Trust place emphasis on $100k-200k loans with 10 originations, totaling $1,440,000 in origination value.
Applicant Income
Crystal Lake Bank And Trust lent most frequently to those with incomes in the $150k-250k range, with 6 originations. The second most popular income band? $250k+, with 4 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 36 | $11,970,000 | $332,500 | $0 | 0.00% |
Crystal Lake Bank And Trust lent most frequently to those with DTI ratios of Exempt%, with 36 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.36%
Crystal Lake Bank And Trust has an average approval rate.
Pick Rate
Approvals leading to origination88.89%
Crystal Lake Bank And Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 36 | $11,970,000 | $332,500 |