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 Refi and Home Purchase loans. Crystal Lake Bank And Trust has a high proportion of conventional loans. Their top markets by origination volume include: Chicago, Naples, and Rockford among others. We have data for 3 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 an above average pick rate when compared to similar lenders.
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Originations
53Origination Dollar Volume (All Markets)
$37,095,000Top 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) | 51 | $35,635,000 | $698,725 | $0 | 0.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $1,295,000 | $1,295,000 | $0 | 0.00% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 53 | $37,095,000 | $699,906 | $0 | 0.00% |
For 2019, Crystal Lake Bank And Trust's most frequently originated type of loan was Conventional, with 53 originations.
Loan Reason
For 2019, Crystal Lake Bank And Trust's most frequently cited loan purpose was Refi, with 24 originations. The 2nd most popular reason was Home Purchase, with 22 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 53 | $37,095,000 | $699,906 | $0 | 0.00% |
For 2019, Crystal Lake Bank And Trust's most frequently cited loan duration was Other, with 53 originations.
Loan Sizing
2019 saw Crystal Lake Bank And Trust place emphasis on $200k-400k loans with 14 originations, totaling $4,010,000 in origination value.
Applicant Income
Crystal Lake Bank And Trust lent most frequently to those with incomes in the $75k-100k range, with 5 originations. The second most popular income band? $150k-250k, with 4 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 53 | $37,095,000 | $699,906 | $0 | 0.00% |
Crystal Lake Bank And Trust lent most frequently to those with DTI ratios of Exempt%, with 53 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.31%
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 origination90.57%
Crystal Lake Bank And Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 53 | $37,095,000 | $699,906 |