Williamsville State Bank & Trust Mortgage Rates, Fees & Info

Williamsville, IL

LEI: 5493003K5GJU8VB60Z66

Tax ID: 37-0588160

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Mortgage Data

Review & Overview

Williamsville State Bank & Trust is a smaller bank specializing in Home Purchase loans. Williamsville State Bank & Trust has a high proportion of conventional loans. Their top two markets are Springfield and Taylorville .

Williamsville State Bank & 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

45

Origination Dollar Volume (All Markets)

$4,015,000

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
SPRINGFIELD, IL (FHA|USDA|VA) 44 $3,960,000 $90,000 $0 0.00%
Taylorville, IL (FHA|USDA|VA) 1 $55,000 $55,000 $0 0.00%
Williamsville State Bank & Trust's top markets include Springfield and Taylorville among others.

Their top states include:
  • Illinois (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 45 $4,015,000 $89,222 $0 0.00%

    For 2023, Williamsville State Bank & Trust's most frequently originated type of loan was Conventional, with 45 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 23 $2,415,000 $105,000 $0 0.00%
    Cash Out Refi 9 $635,000 $70,556 $0 0.00%
    Other 5 $555,000 $111,000 $0 0.00%
    Home Improvement 4 $110,000 $27,500 $0 0.00%
    Refi 4 $300,000 $75,000 $0 0.00%

    For 2023, Williamsville State Bank & Trust's most frequently cited loan purpose was Home Purchase, with 23 originations. The 2nd most popular reason was Cash Out Refi, with 9 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 45 $4,015,000 $89,222 $0 0.00%

    For 2023, Williamsville State Bank & Trust's most frequently cited loan duration was Other, with 45 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 30 $1,350,000 $45,000 $0 0.00%
    $100k-200k 12 $1,690,000 $140,833 $0 0.00%
    $200k-400k 3 $975,000 $325,000 $0 0.00%

    2023 saw Williamsville State Bank & Trust place emphasis on $100,000 or less loans with 30 originations, totaling $1,350,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 11 $825,000 $75,000 $0 0.00%
    $75k-100k 11 $785,000 $71,364 $0 0.00%
    $100k-150k 9 $1,235,000 $137,222 $0 0.00%
    $150k-250k 6 $640,000 $106,667 $0 0.00%
    $50k or less 5 $225,000 $45,000 $0 0.00%
    $250k+ 3 $305,000 $101,667 $0 0.00%

    Williamsville State Bank & Trust lent most frequently to those with incomes in the $50k-75k range, with 11 originations. The second most popular income band? $75k-100k, with 11 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 45 $4,015,000 $89,222 $0 0.00%

    Williamsville State Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 45 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 43 $3,705,000 $86,163 $0 0.00%
    Black 1 $155,000 $155,000 $0 0.00%
    Not provided 1 $155,000 $155,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    87.93%

    Williamsville State Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.67%

    Williamsville State Bank & Trust has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 45 $4,015,000 $89,222

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    45 $4,015,000 $89,222