Williamsville State Bank & Trust Mortgage Rates, Fees & Info
Williamsville, ILLEI: 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 and Cash Out Refi loans. Williamsville State Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Springfield, Lincoln, Chicago, Bloomington, and Jacksonville among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)Williamsville State Bank & 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
43Origination Dollar Volume (All Markets)
$4,625,000Top 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 |
|---|---|---|---|---|---|
| SPRINGFIELD, IL (FHA|USDA|VA) | 38 | $3,900,000 | $102,632 | $0 | 0.00% |
| Lincoln, IL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 0.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| Jacksonville, IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 43 | $4,625,000 | $107,558 | $0 | 0.00% |
For 2019, Williamsville State Bank & Trust's most frequently originated type of loan was Conventional, with 43 originations.
Loan Reason
For 2019, Williamsville State Bank & Trust's most frequently cited loan purpose was Home Purchase, with 20 originations. The 2nd most popular reason was Cash Out Refi, with 14 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 43 | $4,625,000 | $107,558 | $0 | 0.00% |
For 2019, Williamsville State Bank & Trust's most frequently cited loan duration was Other, with 43 originations.
Loan Sizing
2019 saw Williamsville State Bank & Trust place emphasis on $100,000 or less loans with 25 originations, totaling $1,305,000 in origination value.
Applicant Income
Williamsville State Bank & Trust lent most frequently to those with incomes in the $50k-75k range, with 14 originations. The second most popular income band? $100k-150k, with 12 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 43 | $4,625,000 | $107,558 | $0 | 0.00% |
Williamsville State Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 43 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 42 | $4,540,000 | $108,095 | $0 | 0.00% |
| Vietnamese | 1 | $85,000 | $85,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications94.34%
Williamsville State Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination83.72%
Williamsville State Bank & Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 43 | $4,625,000 | $107,558 |