Crystal Lake Bank And Trust Mortgage Rates, Fees & Info

Rosemont, IL

LEI: 3HICJPQ15PGZSBFDNJ82

Tax ID: 36-4196863

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

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • 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, Madison, Racine, Milwaukee, and Steamboat Springs among others. We have data for 5 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.

    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.

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    Originations

    65

    Origination Dollar Volume (All Markets)

    $47,705,000

    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
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 61 $41,325,000 $677,459 $0 0.00%
    MADISON, WI (FHA|USDA|VA) 1 $5,745,000 $5,745,000 $0 0.00%
    RACINE, WI (FHA|USDA|VA) 1 $255,000 $255,000 $0 0.00%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $195,000 $195,000 $0 0.00%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $185,000 $185,000 $0 0.00%
    Crystal Lake Bank And Trust's top markets include Chicago, Madison, Racine, Milwaukee, and Steamboat Springs among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 65 $47,705,000 $733,923 $0 0.00%

    For 2022, Crystal Lake Bank And Trust's most frequently originated type of loan was Conventional, with 65 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 36 $22,170,000 $615,833 $0 0.00%
    Refi 24 $23,730,000 $988,750 $0 0.00%
    Cash Out Refi 3 $1,025,000 $341,667 $0 0.00%
    Home Improvement 1 $355,000 $355,000 $0 0.00%
    Other 1 $425,000 $425,000 $0 0.00%

    For 2022, Crystal Lake Bank And Trust's most frequently cited loan purpose was Home Purchase, with 36 originations. The 2nd most popular reason was Refi, with 24 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 65 $47,705,000 $733,923 $0 0.00%

    For 2022, Crystal Lake Bank And Trust's most frequently cited loan duration was Other, with 65 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 17 $2,505,000 $147,353 $0 0.00%
    $200k-400k 17 $4,655,000 $273,824 $0 0.00%
    $400k-600k 14 $6,970,000 $497,857 $0 0.00%
    $600k-1MM 7 $5,155,000 $736,429 $0 0.00%
    $100,000 or less 5 $225,000 $45,000 $0 0.00%
    $1MM+ 5 $28,195,000 $5,639,000 $0 0.00%

    2022 saw Crystal Lake Bank And Trust place emphasis on $100k-200k loans with 17 originations, totaling $2,505,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 7 $4,285,000 $612,143 $0 0.00%
    $150k-250k 6 $2,660,000 $443,333 $0 0.00%
    $75k-100k 4 $1,000,000 $250,000 $0 0.00%
    $50k-75k 3 $535,000 $178,333 $0 0.00%
    $100k-150k 1 $235,000 $235,000 $0 0.00%
    $50k or less 1 $85,000 $85,000 $0 0.00%

    Crystal Lake Bank And Trust lent most frequently to those with incomes in the $250k+ range, with 7 originations. The second most popular income band? $150k-250k, with 6 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 65 $47,705,000 $733,923 $0 0.00%

    Crystal Lake Bank And Trust lent most frequently to those with DTI ratios of Exempt%, with 65 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 35 $37,085,000 $1,059,571 $0 0.00%
    White 26 $8,490,000 $326,538 $0 0.00%
    Black 2 $1,130,000 $565,000 $0 0.00%
    Asian 2 $1,000,000 $500,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    98.73%

    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 origination
    87.69%

    Crystal Lake Bank And Trust has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 65 $47,705,000 $733,923

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    65 $47,705,000 $733,923