Inland Bank & Trust Mortgage Rates, Fees & Info

Oak Brook, IL

LEI: 549300BU5TSYOCF3Y655

Tax ID: 36-2895618

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Inland Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. Inland Bank & Trust has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Chicago, New York, Springfield, Boston, and Worcester among others. We have data for 167 markets. (Some data included below & more in-depth data is available with an active subscription.)

Inland 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. Inland Bank & Trust is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

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

3,262

Origination Dollar Volume (All Markets)

$893,360,000

Employee count

309

Awards

INLAND BANK & TRUST 30 Year Conventional Loans bronze

Show all (2) awards

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)	1,616	$442,920,000	$274,084	$3,751	2.93%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	203	$84,515,000	$416,330	$7,655	2.95%
SPRINGFIELD, MA (FHA\|USDA\|VA)	261	$43,035,000	$164,885	$5,871	3.02%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	98	$41,490,000	$423,367	$4,581	2.96%
WORCESTER, MA-CT (FHA\|USDA\|VA)	99	$27,355,000	$276,313	$4,200	3.09%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	54	$21,760,000	$402,963	$4,598	3.02%
Whitewater, WI (FHA\|USDA\|VA)	61	$18,355,000	$300,902	$3,257	3.26%
PROVIDENCE-WARWICK, RI-MA (FHA\|USDA\|VA)	67	$18,285,000	$272,910	$5,100	3.18%
PEORIA, IL (FHA\|USDA\|VA)	131	$11,225,000	$85,687	$3,080	2.34%
Outside of Metro Areas	51	$9,175,000	$179,902	$3,672	3.04%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	18	$9,040,000	$502,222	$5,482	3.14%
WICHITA, KS (FHA\|USDA\|VA)	52	$8,570,000	$164,808	$3,151	3.00%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA\|USDA\|VA)	44	$7,620,000	$173,182	$5,602	3.07%
NILES, MI (FHA\|USDA\|VA)	5	$6,095,000	$1,219,000	$6,935	3.25%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	16	$5,870,000	$366,875	$3,334	3.36%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	11	$5,345,000	$485,909	$4,804	3.35%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	10	$5,310,000	$531,000	$6,220	3.14%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA\|USDA\|VA)	14	$5,170,000	$369,286	$7,695	3.34%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	12	$4,880,000	$406,667	$4,890	3.06%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	13	$3,655,000	$281,154	$4,146	3.18%
BARNSTABLE TOWN, MA (FHA\|USDA\|VA)	10	$3,530,000	$353,000	$5,784	2.90%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	9	$3,395,000	$377,222	$3,914	2.68%
ROCKFORD, IL (FHA\|USDA\|VA)	20	$3,240,000	$162,000	$3,942	3.10%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA\|USDA\|VA)	8	$3,220,000	$402,500	$10,043	3.09%
MICHIGAN CITY-LA PORTE, IN (FHA\|USDA\|VA)	10	$3,070,000	$307,000	$3,885	3.01%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	12	$3,060,000	$255,000	$4,144	3.28%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	4	$3,060,000	$765,000	$9,250	2.91%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	4	$2,890,000	$722,500	$3,276	3.13%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	8	$2,740,000	$342,500	$2,993	3.02%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	7	$2,595,000	$370,714	$3,473	3.00%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	7	$2,405,000	$343,571	$4,903	2.98%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	5	$2,355,000	$471,000	$2,993	2.65%
MADISON, WI (FHA\|USDA\|VA)	11	$2,175,000	$197,727	$4,171	2.83%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	8	$2,170,000	$271,250	$3,654	3.00%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	6	$2,120,000	$353,333	$3,647	2.75%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	7	$2,095,000	$299,286	$6,046	3.41%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	6	$2,020,000	$336,667	$3,648	3.08%
Rochelle, IL (FHA\|USDA\|VA)	10	$2,010,000	$201,000	$3,620	2.96%
Baraboo, WI (FHA\|USDA\|VA)	10	$1,980,000	$198,000	$4,569	3.06%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	6	$1,930,000	$321,667	$4,904	3.02%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	6	$1,830,000	$305,000	$6,339	3.15%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	6	$1,730,000	$288,333	$4,051	3.08%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	5	$1,595,000	$319,000	$4,842	2.88%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	4	$1,540,000	$385,000	$2,535	4.06%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	7	$1,515,000	$216,429	$5,590	3.39%
COLUMBIA, SC (FHA\|USDA\|VA)	7	$1,425,000	$203,571	$5,306	3.39%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	2	$1,250,000	$625,000	$3,939	2.81%
Vineyard Haven, MA (FHA\|USDA\|VA)	1	$1,245,000	$1,245,000	$4,612	2.88%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	4	$1,240,000	$310,000	$3,399	3.25%
PORTLAND-SOUTH PORTLAND, ME (FHA\|USDA\|VA)	3	$1,045,000	$348,333	$4,366	2.88%
Hailey, ID (FHA\|USDA\|VA)	1	$1,005,000	$1,005,000	$4,778	2.88%
Ottawa, IL (FHA\|USDA\|VA)	14	$1,000,000	$71,429	$2,532	1.84%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	1	$965,000	$965,000	$5,925	2.88%
Ogdensburg-Massena, NY (FHA\|USDA\|VA)	7	$955,000	$136,429	$5,486	3.68%
Edwards, CO (FHA\|USDA\|VA)	2	$950,000	$475,000	$2,762	2.94%
KINGSTON, NY (FHA\|USDA\|VA)	2	$920,000	$460,000	$11,137	3.19%
SOUTH BEND-MISHAWAKA, IN-MI (FHA\|USDA\|VA)	4	$900,000	$225,000	$2,701	3.13%
Steamboat Springs, CO (FHA\|USDA\|VA)	2	$870,000	$435,000	$3,296	3.31%
NEW HAVEN-MILFORD, CT (FHA\|USDA\|VA)	4	$850,000	$212,500	$6,804	3.19%
MANCHESTER-NASHUA, NH (FHA\|USDA\|VA)	3	$845,000	$281,667	$4,160	3.00%
ALBANY-SCHENECTADY-TROY, NY (FHA\|USDA\|VA)	3	$845,000	$281,667	$6,525	3.58%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	3	$825,000	$275,000	$3,027	3.08%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	3	$775,000	$258,333	$1,751	3.75%
Kalispell, MT (FHA\|USDA\|VA)	2	$750,000	$375,000	$3,325	3.25%
Plattsburgh, NY (FHA\|USDA\|VA)	5	$745,000	$149,000	$5,245	3.50%
Kapaa, HI (FHA\|USDA\|VA)	1	$735,000	$735,000	$5,236	3.13%
JANESVILLE-BELOIT, WI (FHA\|USDA\|VA)	3	$725,000	$241,667	$2,395	3.08%
BLOOMINGTON, IL (FHA\|USDA\|VA)	6	$720,000	$120,000	$2,671	2.56%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	1	$715,000	$715,000	$3,846	2.75%
Lebanon, NH-VT (FHA\|USDA\|VA)	3	$695,000	$231,667	$3,767	3.29%
TRENTON-PRINCETON, NJ (FHA\|USDA\|VA)	4	$690,000	$172,500	$6,431	2.91%
CHAMPAIGN-URBANA, IL (FHA\|USDA\|VA)	2	$690,000	$345,000	$4,010	3.06%
Clinton, IA (FHA\|USDA\|VA)	3	$675,000	$225,000	$3,601	2.75%
KNOXVILLE, TN (FHA\|USDA\|VA)	1	$665,000	$665,000	$4,574	3.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	5	$655,000	$131,000	$6,197	2.18%
JACKSONVILLE, FL (FHA\|USDA\|VA)	2	$640,000	$320,000	$2,111	2.88%
SPRINGFIELD, IL (FHA\|USDA\|VA)	6	$620,000	$103,333	$4,214	2.10%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	2	$600,000	$300,000	$4,200	2.88%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	2	$600,000	$300,000	$6,608	3.06%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	2	$600,000	$300,000	$2,867	2.81%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	3	$595,000	$198,333	$4,237	4.88%
NORWICH-NEW LONDON, CT (FHA\|USDA\|VA)	3	$595,000	$198,333	$5,189	3.21%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	4	$580,000	$145,000	$3,676	3.00%
Keene, NH (FHA\|USDA\|VA)	3	$575,000	$191,667	$4,160	2.96%
Durango, CO (FHA\|USDA\|VA)	1	$545,000	$545,000	$4,428	2.88%
LEXINGTON-FAYETTE, KY (FHA\|USDA\|VA)	1	$545,000	$545,000	$4,281	3.50%
SIOUX FALLS, SD (FHA\|USDA\|VA)	1	$545,000	$545,000	$2,720	3.25%
SYRACUSE, NY (FHA\|USDA\|VA)	2	$540,000	$270,000	$13,989	2.50%
GREENVILLE, NC (FHA\|USDA\|VA)	1	$535,000	$535,000	$9,669	2.63%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	3	$515,000	$171,667	$2,582	3.08%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	1	$495,000	$495,000	$4,108	3.50%
Heber, UT (FHA\|USDA\|VA)	1	$415,000	$415,000	$3,856	3.00%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	2	$410,000	$205,000	$3,308	2.88%
Hutchinson, KS (FHA\|USDA\|VA)	4	$410,000	$102,500	$2,801	3.25%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	1	$405,000	$405,000	$3,252	2.38%
PITTSFIELD, MA (FHA\|USDA\|VA)	2	$400,000	$200,000	$3,212	3.50%
FARGO, ND-MN (FHA\|USDA\|VA)	1	$395,000	$395,000	$3,338	2.13%
EL CENTRO, CA (FHA\|USDA\|VA)	2	$390,000	$195,000	$4,575	2.44%
PUNTA GORDA, FL (FHA\|USDA\|VA)	2	$390,000	$195,000	$2,976	3.31%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	1	$385,000	$385,000	$2,497	2.88%
PITTSBURGH, PA (FHA\|USDA\|VA)	2	$380,000	$190,000	$5,035	2.94%
Platteville, WI (FHA\|USDA\|VA)	3	$365,000	$121,667	$5,134	2.71%
ELIZABETHTOWN-FORT KNOX, KY (FHA\|USDA\|VA)	1	$355,000	$355,000	$3,376	2.88%
OCEAN CITY, NJ (FHA\|USDA\|VA)	1	$355,000	$355,000	$5,273	3.50%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	1	$345,000	$345,000	$3,393	3.13%
Klamath Falls, OR (FHA\|USDA\|VA)	1	$335,000	$335,000	$4,476	3.38%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	1	$325,000	$325,000	$3,629	2.75%
RACINE, WI (FHA\|USDA\|VA)	1	$325,000	$325,000	$8,240	3.00%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	1	$325,000	$325,000	$5,405	3.13%
Dixon, IL (FHA\|USDA\|VA)	3	$325,000	$108,333	$3,749	2.25%
TOLEDO, OH (FHA\|USDA\|VA)	1	$315,000	$315,000	$4,878	2.88%
Concord, NH (FHA\|USDA\|VA)	1	$315,000	$315,000	$4,304	3.50%
CARBONDALE-MARION, IL (FHA\|USDA\|VA)	2	$310,000	$155,000	$7,238	4.44%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	1	$305,000	$305,000	$9,522	3.13%
WINCHESTER, VA-WV (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,772	3.25%
SPRINGFIELD, MO (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,582	3.38%
Kearney, NE (FHA\|USDA\|VA)	1	$295,000	$295,000	$2,619	3.38%
Newberry, SC (FHA\|USDA\|VA)	1	$285,000	$285,000	$6,693	3.25%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	1	$285,000	$285,000	$3,270	2.25%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	1	$285,000	$285,000	$3,889	2.88%
Laconia, NH (FHA\|USDA\|VA)	1	$275,000	$275,000	$5,319	2.75%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	1	$265,000	$265,000	$3,616	2.88%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	1	$265,000	$265,000	$5,642	2.13%
SHREVEPORT-BOSSIER CITY, LA (FHA\|USDA\|VA)	1	$265,000	$265,000	$9,864	3.38%
Montrose, CO (FHA\|USDA\|VA)	1	$255,000	$255,000	$2,227	2.75%
Rutland, VT (FHA\|USDA\|VA)	1	$235,000	$235,000	$3,260	2.88%
APPLETON, WI (FHA\|USDA\|VA)	1	$235,000	$235,000	$2,542	2.88%
RICHMOND, VA (FHA\|USDA\|VA)	1	$225,000	$225,000	$7,678	3.63%
Traverse City, MI (FHA\|USDA\|VA)	1	$225,000	$225,000	$4,034	3.00%
MONROE, MI (FHA\|USDA\|VA)	1	$215,000	$215,000	$2,772	2.88%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	1	$215,000	$215,000	$2,630	2.75%
BLOOMINGTON, IN (FHA\|USDA\|VA)	1	$215,000	$215,000	$2,462	3.25%
Charleston-Mattoon, IL (FHA\|USDA\|VA)	1	$195,000	$195,000	$5,647	3.00%
LINCOLN, NE (FHA\|USDA\|VA)	1	$195,000	$195,000	$3,037	3.50%
READING, PA (FHA\|USDA\|VA)	1	$195,000	$195,000	$4,229	3.63%
Stevens Point, WI (FHA\|USDA\|VA)	1	$195,000	$195,000	$2,152	3.13%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	3.63%
Augusta-Waterville, ME (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,349	3.75%
KANKAKEE, IL (FHA\|USDA\|VA)	1	$175,000	$175,000	$4,967	3.25%
Pontiac, IL (FHA\|USDA\|VA)	1	$175,000	$175,000	$5,486	3.25%
Kendallville, IN (FHA\|USDA\|VA)	1	$175,000	$175,000	$2,243	3.25%
Seneca, SC (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,288	2.50%
Winfield, KS (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,107	3.38%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	1	$155,000	$155,000	$5,605	3.25%
SALEM, OR (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,881	3.38%
Macomb, IL (FHA\|USDA\|VA)	2	$150,000	$75,000	$2,776	3.69%
Sulphur Springs, TX (FHA\|USDA\|VA)	1	$145,000	$145,000	$1,319	3.00%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	1	$145,000	$145,000	$4,356	3.00%
DUBUQUE, IA (FHA\|USDA\|VA)	1	$145,000	$145,000	$4,731	2.75%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,594	2.75%
Warsaw, IN (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,813	2.75%
LANSING-EAST LANSING, MI (FHA\|USDA\|VA)	1	$145,000	$145,000	$1,922	2.50%
Galesburg, IL (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,530	3.50%
BUFFALO-CHEEKTOWAGA, NY (FHA\|USDA\|VA)	1	$135,000	$135,000	$4,695	3.75%
HICKORY-LENOIR-MORGANTON, NC (FHA\|USDA\|VA)	1	$135,000	$135,000	$3,335	3.13%
Dayton, TN (FHA\|USDA\|VA)	1	$135,000	$135,000	$3,123	3.13%
MUSKEGON, MI (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,856	3.25%
Plymouth, IN (FHA\|USDA\|VA)	1	$125,000	$125,000	$4,424	3.13%
Decatur, IN (FHA\|USDA\|VA)	1	$125,000	$125,000	$2,391	3.50%
ANN ARBOR, MI (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,016	2.50%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA\|USDA\|VA)	2	$120,000	$60,000	$2,995	1.56%
Taylorville, IL (FHA\|USDA\|VA)	1	$105,000	$105,000	$2,954	2.75%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	1	$105,000	$105,000	$2,877	3.13%
PINE BLUFF, AR (FHA\|USDA\|VA)	1	$95,000	$95,000	$3,667	2.75%
DECATUR, IL (FHA\|USDA\|VA)	1	$95,000	$95,000	$2,755	3.25%
Richmond, IN (FHA\|USDA\|VA)	1	$65,000	$65,000	$2,786	3.25%
Lewistown, PA (FHA\|USDA\|VA)	1	$35,000	$35,000	$2,861	3.38%

Inland Bank & Trust's top markets include Chicago, New York, Springfield, Boston, and Worcester among others.

Their top states include:

Illinois (FHA|USDA|VA)

Massachusetts (FHA|USDA|VA)

New York (FHA|USDA|VA)

Wisconsin (FHA|USDA|VA)

Florida (FHA|USDA|VA)

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	2,806	$783,970,000	$279,391	$3,614	2.92%
FHA	366	$85,420,000	$233,388	$9,412	3.26%
VA	64	$19,250,000	$300,781	$6,546	2.90%
USDA	26	$4,720,000	$181,538	$5,654	2.94%

For 2021, Inland Bank & Trust's most frequently originated type of loan was Conventional, with 2,806 originations. Their 2nd most popular type was FHA, with 366 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	1,774	$463,240,000	$261,127	$5,230	2.92%
Refi	1,018	$296,330,000	$291,090	$2,892	2.88%
Cash Out Refi	427	$124,695,000	$292,026	$4,382	3.19%
Other	30	$7,550,000	$251,667	$2,781	3.67%
Home Improvement	13	$1,545,000	$118,846	$1,729	4.24%

For 2021, Inland Bank & Trust's most frequently cited loan purpose was Home Purchase, with 1,774 originations. The 2nd most popular reason was Refi, with 1,018 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	2,476	$731,140,000	$295,291	$5,029	3.11%
15 Year	397	$91,665,000	$230,894	$2,862	2.52%
20 Year	139	$38,035,000	$273,633	$3,074	2.87%
10 Year	129	$12,265,000	$95,078	$995	3.35%
5 Year	92	$2,590,000	$28,152	$0	0.13%
Other	28	$9,940,000	$355,000	$3,191	3.27%
3 Year	1	$7,725,000	$7,725,000	$0	3.75%

For 2021, Inland Bank & Trust's most frequently cited loan duration was 30 Year, with 2,476 originations. The 2nd most popular length was 15 Year, with 397 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	2,061	$590,605,000	$286,562
$<1k	329	$21,405,000	$65,061
$2k-3k	271	$93,575,000	$345,295
$3k-4k	166	$47,880,000	$288,434
$5k+	133	$51,565,000	$387,707
$4k-5k	85	$24,355,000	$286,529

Inland Bank & Trust's average total fees were $5,029, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,061 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	1,468	$427,670,000	$291,328
2.5-3%	1,157	$363,355,000	$314,049
<2.5%	519	$87,525,000	$168,642
4-5%	66	$13,060,000	$197,879
5-6%	46	$1,720,000	$37,391
7-8%	6	$30,000	$5,000

During 2021, Inland Bank & Trust's average interest rate for loans was 3.11%, while their most frequently originated rate bucket for loans was 3-4%, with 1,468 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	1,388	$390,420,000	$281,282	$4,974	3.08%
$100k-200k	870	$134,310,000	$154,379	$3,903	3.12%
$100,000 or less	425	$15,865,000	$37,329	$1,299	2.08%
$400k-600k	414	$201,770,000	$487,367	$5,457	3.04%
$600k-1MM	136	$99,710,000	$733,162	$6,250	3.06%
$1MM+	29	$51,285,000	$1,768,448	$7,612	3.15%

2021 saw Inland Bank & Trust place emphasis on $200k-400k loans with 1,388 originations, totaling $390,420,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	754	$131,400,000	$174,271	$4,426	2.86%
$100k-150k	683	$210,125,000	$307,650	$4,621	3.07%
$75k-100k	558	$130,240,000	$233,405	$4,334	2.97%
$150k-250k	527	$200,265,000	$380,009	$4,383	3.03%
$50k or less	453	$54,675,000	$120,695	$3,949	2.77%
$250k+	254	$147,790,000	$581,850	$4,317	3.07%

Inland Bank & Trust lent most frequently to those with incomes in the $50k-75k range, with 754 originations. The second most popular income band? $100k-150k, with 683 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	614	$176,240,000	$287,036	$3,711	2.94%
30-36%	613	$170,155,000	$277,577	$4,193	2.98%
<20%	209	$59,765,000	$285,957	$3,276	2.97%
44%	167	$41,015,000	$245,599	$4,330	2.95%
42%	156	$42,080,000	$269,744	$4,546	2.98%
40%	153	$41,665,000	$272,320	$4,383	3.02%
41%	144	$39,790,000	$276,319	$4,375	2.99%
39%	136	$38,500,000	$283,088	$4,803	3.07%
37%	133	$32,175,000	$241,917	$4,183	2.78%
43%	133	$36,025,000	$270,865	$4,934	2.94%
38%	122	$30,460,000	$249,672	$4,271	2.93%
36%	118	$35,600,000	$301,695	$4,365	2.88%
49%	110	$25,210,000	$229,182	$5,226	3.01%
47%	105	$26,925,000	$256,429	$5,350	2.98%
45%	86	$22,150,000	$257,558	$4,840	3.22%
48%	81	$20,305,000	$250,679	$5,878	2.75%
46%	79	$19,865,000	$251,456	$4,838	3.23%
50-60%	69	$15,995,000	$231,812	$7,620	2.49%
>60%	2	$720,000	$360,000	$3,162	1.13%

Inland Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 614 originations. The next most common DTI ratio? 30-36%, with 613 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	2,612	$698,330,000	$267,355	$4,186	2.97%
Not provided	258	$76,800,000	$297,674	$5,015	2.89%
Asian	146	$53,510,000	$366,507	$4,924	2.95%
Black	226	$47,730,000	$211,195	$5,217	2.84%
Not applicable	9	$13,765,000	$1,529,444	$0	3.87%
American Indian	8	$2,220,000	$277,500	$4,001	3.03%
Asian Indian	2	$870,000	$435,000	$1,878	2.94%
Filipino	1	$135,000	$135,000	$2,963	2.75%

Approval Rates

Total approvals of all applications
92.09%

Inland Bank & Trust has an average approval rate.

Pick Rate

Approvals leading to origination
85.68%

Inland Bank & Trust has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	3,262	$893,360,000	$273,869

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	3,262	$893,360,000	$273,869

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	119	$27,025,000	$227,101	$3,271	2.83%
40-60%	403	$122,015,000	$302,767	$3,539	2.86%
60-80%	1,152	$378,720,000	$328,750	$3,785	3.09%
80-100%	1,309	$357,085,000	$272,792	$5,962	3.19%
Over 100%	10	$3,690,000	$369,000	$13,594	2.96%
Under 20%	269	$4,825,000	$17,937	$170	1.46%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Inland Bank & Trust	10 Landover Parkway Hawthorn Woods, IL 60047	Full Service B&M	$81,450
Inland Bank & Trust	1000 W Washington Blvd Chicago, IL 60607	Full Service B&M	$22,918
Inland Bank & Trust	1100 South Rand Road Lake Zurich, IL 60047	Full Service B&M	$240,756
Inland Bank & Trust	1900 West State Street Geneva, IL 60134	Full Service B&M	$84,535
Inland Bank & Trust	2225 South Wolf Road Hillside, IL 60162	Full Service B&M	$188,650
Inland Bank & Trust	2805 Butterfield Rd Oak Brook, IL 60523	Full Service Cyber Office	$24,863
Inland Bank & Trust	2805 Butterfield Road Oak Brook, IL 60523	Full Service B&M	$0
Inland Bank & Trust	305 West Saint Charles Road Villa Park, IL 60181	Full Service B&M	$81,724
Inland Bank & Trust	337 West Dundee Road Wheeling, IL 60090	Full Service B&M	$21,938
Inland Bank & Trust	520 Crescent Boulevard Glen Ellyn, IL 60137	Full Service B&M	$45,286
Inland Bank & Trust	539 Spring Road Elmhurst, IL 60126	Full Service B&M	$23,665
Inland Bank & Trust	5465 South La Grange Road Countryside, IL 60525	Full Service B&M	$106,810
Inland Bank & Trust	6111 West Dempster Avenue Morton Grove, IL 60053	Full Service B&M	$124,903
Inland Bank & Trust	837 South Westmore Avenue Lombard, IL 60148	Full Service B&M	$54,278

For 2021, Inland Bank & Trust had 14 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$40,400
Net interest income	$37,401
Total noninterest income	$36,739
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$466
Trading account gains and fees	$0
Additional Noninterest Income	$36,273
Pre-tax net operating income	$20,616
Securities gains (or losses, -)	$0
Income before extraordinary items	$15,154
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$15,154
Minority interest net income	$0
Net income	$15,154
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$15,154

Inland Bank & Trust's gross interest income from loans was $40,400,000.
Inland Bank & Trust's net interest income from loans was $37,401,000.
Inland Bank & Trust's fee based income from loans was $466,000.
Inland Bank & Trust's net income from loans was $15,154,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$2,999
Provision for credit losses	$1,200
Total noninterest expense	$52,324
Salaries and employee benefits	$37,374
Premises and equipment expense	$3,676
Additional noninterest expense	$11,274
Applicable income taxes	$5,462
Net charge-offs	$3,636
Cash dividends	$0

Inland Bank & Trust's interest expense for loans was $2,999,000.
Inland Bank & Trust's payroll and benefits expense were $37,374,000.
Inland Bank & Trust's property, plant and equipment expenses $3,676,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	1.0%
Real Estate loans	0.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	2.0%
All other family	0.0%
Commercial & industrial loans	7.0%
Personal loans	0.0%
Credit card loans	0.0%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$1,095,725
Deposits held in domestic offices	$1,095,725
Deposits by Individuals, partnerships, and corporations	$1,028,524
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$65,201
Deposits by Commercial banks and other depository institutions in U.S.	$2,000
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$356,711
Demand deposits	$270,433
Nontransaction accounts	$739,014
Money market deposit accounts (MMDAs)	$450,358
Other savings deposits (excluding MMDAs)	$59,341
Total time deposits	$229,315
Total time and savings deposits	$825,292
Noninterest-bearing deposits	$270,433
Interest-bearing deposits	$825,292
Retail deposits	$1,057,276
IRAs and Keogh plan accounts	$31,850
Brokered deposits	$0
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$1,281,203
Cash & Balances due from depository institutions	$156,737
Interest-bearing balances	$151,777
Total securities	$258,434
Federal funds sold & reverse repurchase	$6
Net loans and leases	$830,412
Loan and leases loss allowance	$10,861
Trading account assets	$0
Bank premises and fixed assets	$11,305
Other real estate owned	$0
Goodwill and other intangibles	$0
All other assets	$24,309

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$1,281,203
Total Liabilities	$1,107,664
Total deposits	$1,095,725
Interest-bearing deposits	$825,292
Deposits held in domestic offices	$1,095,725
% insured (estimated)	$72
Federal funds purchased and repurchase agreements	$490
Trading liabilities	$0
Other borrowed funds	$5,000
Subordinated debt	$0
All other liabilities	$6,449

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$830,412
Loan and leases loss allowance	$10,861
Total loans and leases (domestic)	$841,273
All real estate loans	$678,290
Real estate loans in domestic offices	$678,290
Construction and development loans	$80,225
Residential 1-4 family construction	$9,507
Other construction, all land development and other land	$70,718
Loans secured by nonfarm nonresidential properties	$381,711
Nonfarm nonresidential secured by owner-occupied properties	$94,973
Commercial real estate & other non-farm, non-residential	$286,738
Multifamily residential real estate	$94,921
1-4 family residential loans	$121,433
Farmland loans	$0
Loans held in foreign offices	$0
Farm loans	$0
Commercial and industrial loans	$108,298
To non-U.S. addressees	$0
Loans to individuals	$668
Credit card loans	$0
Related Plans	$28
Consumer Auto Loans	$126
Other loans to individuals	$514
All other loans & leases	$54,017
Loans to foreign governments and official institutions	$0
Other loans	$54,017
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	$8,489
Non 1-4 family restructured loans & leases	$7,372
Total loans and leases (foreign)	$0

INLAND BANK & TRUST had $830,412,000 of loans outstanding in 2021. $678,290,000 of loans were in real estate loans. $80,225,000 of loans were in development loans. $94,921,000 of loans were in multifamily mortgage loans. $121,433,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $126,000 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	189	$59,197	$313,212
Nonfarm, nonresidential loans - <$100k	16	$896	$56,000
Nonfarm, nonresidential loans - $100-250k	57	$7,429	$130,333
Nonfarm, nonresidential loans - $250k-1MM	116	$50,872	$438,552
Commercial & Industrial, US addressed loans - <$1MM	320	$44,414	$138,794
Commercial & Industrial, US addressed loans - <$100k	192	$5,702	$29,698
Commercial & Industrial, US addressed loans - $100-250k	57	$6,896	$120,982
Commercial & Industrial, US addressed loans - $250k-1MM	71	$31,816	$448,113