The Bradford National Bank Of Greenville Mortgage Rates, Fees & Info

Greenville, IL

LEI: 549300BK51FTOVBDMC15

Tax ID: 37-0188390

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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)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    The Bradford National Bank Of Greenville is a smaller bank specializing in Home Purchase and Refi loans. The Bradford National Bank Of Greenville has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Miami, Nashville, Cape Coral, and Sebring among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The Bradford National Bank Of Greenville 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

    166

    Origination Dollar Volume (All Markets)

    $22,280,000

    Employee count

    48

    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
    ST. LOUIS, MO-IL (FHA|USDA|VA) 150 $20,520,000 $136,800 $0 0.00%
    Outside of Metro Areas 11 $1,165,000 $105,909 $0 0.00%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $235,000 $235,000 $0 0.00%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $185,000 $185,000 $0 0.00%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $75,000 $75,000 $0 0.00%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $65,000 $65,000 $0 0.00%
    Branson, MO (FHA|USDA|VA) 1 $35,000 $35,000 $0 0.00%
    The Bradford National Bank Of Greenville's top markets include St. Louis, Miami, Nashville, Cape Coral, and Sebring among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 154 $21,150,000 $137,338 $0 0.00%
    USDA 12 $1,130,000 $94,167 $0 0.00%

    For 2019, The Bradford National Bank Of Greenville's most frequently originated type of loan was Conventional, with 154 originations. Their 2nd most popular type was USDA, with 12 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 98 $13,540,000 $138,163 $0 0.00%
    Refi 57 $7,885,000 $138,333 $0 0.00%
    Other 6 $560,000 $93,333 $0 0.00%
    Home Improvement 5 $295,000 $59,000 $0 0.00%

    For 2019, The Bradford National Bank Of Greenville's most frequently cited loan purpose was Home Purchase, with 98 originations. The 2nd most popular reason was Refi, with 57 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 166 $22,280,000 $134,217 $0 0.00%

    For 2019, The Bradford National Bank Of Greenville's most frequently cited loan duration was Other, with 166 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 73 $4,315,000 $59,110 $0 0.00%
    $100k-200k 60 $8,610,000 $143,500 $0 0.00%
    $200k-400k 28 $6,980,000 $249,286 $0 0.00%
    $400k-600k 5 $2,375,000 $475,000 $0 0.00%

    2019 saw The Bradford National Bank Of Greenville place emphasis on $100,000 or less loans with 73 originations, totaling $4,315,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 38 $4,100,000 $107,895 $0 0.00%
    $100k-150k 36 $6,500,000 $180,556 $0 0.00%
    $50k or less 36 $2,650,000 $73,611 $0 0.00%
    $75k-100k 26 $3,810,000 $146,538 $0 0.00%
    $150k-250k 11 $2,575,000 $234,091 $0 0.00%
    $250k+ 5 $1,585,000 $317,000 $0 0.00%

    The Bradford National Bank Of Greenville lent most frequently to those with incomes in the $50k-75k range, with 38 originations. The second most popular income band? $100k-150k, with 36 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 166 $22,280,000 $134,217 $0 0.00%

    The Bradford National Bank Of Greenville lent most frequently to those with DTI ratios of Exempt%, with 166 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 152 $20,590,000 $135,461 $0 0.00%
    Not applicable 7 $755,000 $107,857 $0 0.00%
    Not provided 5 $555,000 $111,000 $0 0.00%
    Black 1 $205,000 $205,000 $0 0.00%
    Asian 1 $175,000 $175,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    91.44%

    The Bradford National Bank Of Greenville has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.95%

    The Bradford National Bank Of Greenville has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 166 $22,280,000 $134,217

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $380,000 $190,000
    Single Family (1-4 Units):Manufactured 8 $440,000 $55,000
    Single Family (1-4 Units):Site-Built 156 $21,460,000 $137,564

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The Bradford National Bank of Greenville 100 East College Avenue Greenville, IL 62246 Full Service B&M $145,829
    The Bradford National Bank of Greenville 102 Duncan Street Marine, IL 62061 Full Service B&M $30,492
    The Bradford National Bank of Greenville 1100 Merantile Drive Highland, IL 62249 Full Service B&M $48,159
    The Bradford National Bank of Greenville 600 South Idler Lane Greenville, IL 62246 Full Service B&M $33,344

    For 2019, The Bradford National Bank Of Greenville had 4 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $11,686
    Net interest income $9,502
    Total noninterest income $1,489
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $721
    Trading account gains and fees $0
    Additional Noninterest Income $768
    Pre-tax net operating income $4,608
    Securities gains (or losses, -) $98
    Income before extraordinary items $4,647
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $4,647
    Minority interest net income $0
    Net income $4,647
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $4,549

    The Bradford National Bank Of Greenville's gross interest income from loans was $11,686,000.
    The Bradford National Bank Of Greenville's net interest income from loans was $9,502,000.
    The Bradford National Bank Of Greenville's fee based income from loans was $721,000.
    The Bradford National Bank Of Greenville's net income from loans was $4,647,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,184
    Provision for credit losses $0
    Total noninterest expense $6,383
    Salaries and employee benefits $3,883
    Premises and equipment expense $1,174
    Additional noninterest expense $1,326
    Applicable income taxes $59
    Net charge-offs $59
    Cash dividends $2,908

    The Bradford National Bank Of Greenville's interest expense for loans was $2,184,000.
    The Bradford National Bank Of Greenville's payroll and benefits expense were $3,883,000.
    The Bradford National Bank Of Greenville's property, plant and equipment expenses $1,174,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 2.0%
    Real Estate loans 3.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 5.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 3.0%
    HELOC loans 1.0%
    All other family 3.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $294,500
    Deposits held in domestic offices $294,500
    Deposits by Individuals, partnerships, and corporations $238,030
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $56,470
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $121,440
    Demand deposits $63,870
    Nontransaction accounts $173,060
    Money market deposit accounts (MMDAs) $26,061
    Other savings deposits (excluding MMDAs) $51,921
    Total time deposits $95,078
    Total time and savings deposits $230,630
    Noninterest-bearing deposits $63,971
    Interest-bearing deposits $230,529
    Retail deposits $248,991
    IRAs and Keogh plan accounts $10,341
    Brokered deposits $34,041
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $367,781
    Cash & Balances due from depository institutions $7,955
    Interest-bearing balances $3,985
    Total securities $202,123
    Federal funds sold & reverse repurchase $0
    Net loans and leases $144,561
    Loan and leases loss allowance $2,325
    Trading account assets $0
    Bank premises and fixed assets $2,398
    Other real estate owned $110
    Goodwill and other intangibles $446
    All other assets $10,188

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $367,781
    Total Liabilities $318,550
    Total deposits $294,500
    Interest-bearing deposits $230,529
    Deposits held in domestic offices $294,500
    % insured (estimated) $80
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $20,500
    Subordinated debt $0
    All other liabilities $3,550

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $144,561
    Loan and leases loss allowance $2,325
    Total loans and leases (domestic) $146,886
    All real estate loans $118,618
    Real estate loans in domestic offices $118,618
    Construction and development loans $10,339
    Residential 1-4 family construction $2,600
    Other construction, all land development and other land $7,739
    Loans secured by nonfarm nonresidential properties $37,205
    Nonfarm nonresidential secured by owner-occupied properties $22,173
    Commercial real estate & other non-farm, non-residential $15,032
    Multifamily residential real estate $3,067
    1-4 family residential loans $45,937
    Farmland loans $22,070
    Loans held in foreign offices $0
    Farm loans $9,355
    Commercial and industrial loans $13,431
    To non-U.S. addressees $0
    Loans to individuals $4,557
    Credit card loans $424
    Related Plans $0
    Consumer Auto Loans $1,854
    Other loans to individuals $2,279
    All other loans & leases $925
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $351
    Non 1-4 family restructured loans & leases $175
    Total loans and leases (foreign) $0

    The Bradford National Bank of Greenville had $144,561,000 of loans outstanding in 2019. $118,618,000 of loans were in real estate loans. $10,339,000 of loans were in development loans. $3,067,000 of loans were in multifamily mortgage loans. $45,937,000 of loans were in 1-4 family mortgage loans. $9,355,000 of loans were in farm loans. $424,000 of loans were in credit card loans. $1,854,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 130 $21,931 $168,700
    Nonfarm, nonresidential loans - <$100k 47 $2,217 $47,170
    Nonfarm, nonresidential loans - $100-250k 42 $4,607 $109,690
    Nonfarm, nonresidential loans - $250k-1MM 41 $15,107 $368,463
    Commercial & Industrial, US addressed loans - <$1MM 146 $6,725 $46,062
    Commercial & Industrial, US addressed loans - <$100k 120 $2,786 $23,217
    Commercial & Industrial, US addressed loans - $100-250k 16 $1,192 $74,500
    Commercial & Industrial, US addressed loans - $250k-1MM 10 $2,747 $274,700
    Farmland loans - <$1MM 272 $13,936 $51,235
    Farmland loans - <$100k 124 $1,710 $13,790
    Farmland loans - $100-250k 106 $6,920 $65,283
    Farmland loans - $250k-1MM 42 $5,306 $126,333
    Agriculture operations loans - <$1MM 793 $7,918 $9,985
    Agriculture operations loans - <$100k 614 $2,645 $4,308
    Agriculture operations loans - $100-250k 130 $3,048 $23,446
    Agriculture operations loans - $250k-1MM 49 $2,225 $45,408