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

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • 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

    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, Springfield, Boston, Worcester, and New York among others. We have data for 121 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

    2,143

    Origination Dollar Volume (All Markets)

    $509,795,000

    Employee count

    284

    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) 1,268 $303,560,000 $239,401 $3,921 4.15%
    SPRINGFIELD, MA (FHA|USDA|VA) 185 $31,845,000 $172,135 $6,062 4.54%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 54 $20,570,000 $380,926 $4,611 4.22%
    WORCESTER, MA-CT (FHA|USDA|VA) 81 $18,945,000 $233,889 $4,131 4.23%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 31 $13,175,000 $425,000 $9,396 3.80%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 45 $11,295,000 $251,000 $6,163 4.50%
    WICHITA, KS (FHA|USDA|VA) 57 $9,675,000 $169,737 $3,637 4.27%
    Whitewater, WI (FHA|USDA|VA) 37 $8,385,000 $226,622 $2,740 4.38%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 26 $6,980,000 $268,462 $4,357 4.24%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 28 $6,070,000 $216,786 $6,436 4.59%
    Outside of Metro Areas 25 $5,325,000 $213,000 $4,093 4.14%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 16 $3,590,000 $224,375 $4,697 4.36%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 8 $2,850,000 $356,250 $4,458 4.31%
    KANKAKEE, IL (FHA|USDA|VA) 16 $2,580,000 $161,250 $3,326 3.67%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 5 $2,365,000 $473,000 $6,157 3.90%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 8 $2,280,000 $285,000 $3,547 4.20%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 12 $2,120,000 $176,667 $4,211 4.49%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 7 $1,945,000 $277,857 $3,328 4.70%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 13 $1,885,000 $145,000 $3,771 4.30%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $1,845,000 $369,000 $3,851 4.08%
    Vineyard Haven, MA (FHA|USDA|VA) 3 $1,705,000 $568,333 $6,670 4.13%
    JACKSONVILLE, FL (FHA|USDA|VA) 4 $1,590,000 $397,500 $4,787 3.69%
    Keene, NH (FHA|USDA|VA) 9 $1,575,000 $175,000 $4,622 4.32%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 5 $1,545,000 $309,000 $7,122 4.10%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $1,530,000 $382,500 $3,069 4.75%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 10 $1,520,000 $152,000 $4,796 3.54%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $1,390,000 $695,000 $4,545 3.75%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 4 $1,290,000 $322,500 $3,714 3.97%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $1,225,000 $408,333 $4,150 4.46%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 4 $1,190,000 $297,500 $9,347 3.47%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 4 $1,150,000 $287,500 $6,793 3.88%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $1,065,000 $355,000 $2,852 3.50%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $1,055,000 $351,667 $4,999 3.79%
    AKRON, OH (FHA|USDA|VA) 3 $1,035,000 $345,000 $3,007 4.13%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 3 $975,000 $325,000 $3,652 3.46%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $955,000 $318,333 $5,081 4.04%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 5 $955,000 $191,000 $3,684 3.98%
    Breckenridge, CO (FHA|USDA|VA) 2 $930,000 $465,000 $2,924 4.25%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 5 $855,000 $171,000 $3,731 4.63%
    ROCKFORD, IL (FHA|USDA|VA) 5 $845,000 $169,000 $3,435 4.13%
    TUCSON, AZ (FHA|USDA|VA) 3 $805,000 $268,333 $4,155 3.75%
    SHEBOYGAN, WI (FHA|USDA|VA) 5 $795,000 $159,000 $5,318 4.93%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $765,000 $255,000 $3,769 4.29%
    FORT COLLINS, CO (FHA|USDA|VA) 3 $755,000 $251,667 $2,022 4.75%
    FLAGSTAFF, AZ (FHA|USDA|VA) 2 $750,000 $375,000 $3,420 4.50%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $720,000 $360,000 $3,827 4.13%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $715,000 $715,000 $0 4.25%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $650,000 $325,000 $3,463 4.63%
    KNOXVILLE, TN (FHA|USDA|VA) 2 $620,000 $310,000 $3,441 4.19%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 3 $615,000 $205,000 $3,425 4.17%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $600,000 $300,000 $4,030 4.75%
    BELLINGHAM, WA (FHA|USDA|VA) 1 $565,000 $565,000 $20,222 3.38%
    NILES, MI (FHA|USDA|VA) 3 $565,000 $188,333 $3,371 3.92%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $550,000 $275,000 $3,095 4.00%
    PROVO-OREM, UT (FHA|USDA|VA) 2 $550,000 $275,000 $3,117 4.19%
    Ottawa, IL (FHA|USDA|VA) 4 $540,000 $135,000 $2,505 3.41%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $530,000 $265,000 $4,640 4.19%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $530,000 $265,000 $6,041 4.38%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $500,000 $250,000 $2,802 4.31%
    Rochelle, IL (FHA|USDA|VA) 4 $500,000 $125,000 $3,406 3.09%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $490,000 $245,000 $7,637 3.69%
    Holland, MI (FHA|USDA|VA) 1 $485,000 $485,000 $3,285 3.75%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 5 $485,000 $97,000 $3,136 5.20%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $485,000 $485,000 $3,045 4.13%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $480,000 $240,000 $7,023 3.50%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $435,000 $435,000 $4,554 3.25%
    ANN ARBOR, MI (FHA|USDA|VA) 2 $430,000 $215,000 $2,735 4.06%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $425,000 $425,000 $5,877 3.88%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 3 $405,000 $135,000 $5,346 3.08%
    FARGO, ND-MN (FHA|USDA|VA) 2 $400,000 $200,000 $3,317 3.94%
    SPRINGFIELD, IL (FHA|USDA|VA) 6 $370,000 $61,667 $2,848 2.71%
    FOND DU LAC, WI (FHA|USDA|VA) 2 $370,000 $185,000 $3,822 4.50%
    Sault Ste. Marie, MI (FHA|USDA|VA) 1 $365,000 $365,000 $11,851 5.75%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $355,000 $355,000 $3,425 4.00%
    OCALA, FL (FHA|USDA|VA) 2 $330,000 $165,000 $3,972 4.88%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $325,000 $325,000 $9,755 4.63%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $315,000 $315,000 $5,440 3.75%
    Plymouth, IN (FHA|USDA|VA) 1 $305,000 $305,000 $2,882 3.50%
    Port Angeles, WA (FHA|USDA|VA) 1 $305,000 $305,000 $3,315 5.00%
    TOLEDO, OH (FHA|USDA|VA) 1 $305,000 $305,000 $3,257 3.75%
    COLUMBIA, SC (FHA|USDA|VA) 2 $280,000 $140,000 $4,723 4.38%
    Seneca, SC (FHA|USDA|VA) 1 $275,000 $275,000 $0 5.13%
    MADISON, WI (FHA|USDA|VA) 1 $275,000 $275,000 $2,377 4.00%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $270,000 $135,000 $2,814 4.63%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $265,000 $265,000 $3,059 4.38%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $265,000 $265,000 $7,908 4.50%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $255,000 $255,000 $3,504 4.63%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $255,000 $255,000 $4,507 4.38%
    North Platte, NE (FHA|USDA|VA) 1 $245,000 $245,000 $2,890 4.50%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $235,000 $235,000 $2,504 4.88%
    Newberry, SC (FHA|USDA|VA) 1 $235,000 $235,000 $3,361 5.50%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 2 $230,000 $115,000 $5,567 2.63%
    TWIN FALLS, ID (FHA|USDA|VA) 1 $225,000 $225,000 $3,222 4.88%
    Tupelo, MS (FHA|USDA|VA) 1 $225,000 $225,000 $2,903 3.88%
    Lebanon, NH-VT (FHA|USDA|VA) 1 $215,000 $215,000 $3,483 4.50%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $3,424 3.38%
    GLENS FALLS, NY (FHA|USDA|VA) 1 $205,000 $205,000 $3,537 4.38%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $195,000 $195,000 $2,573 3.88%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $195,000 $195,000 $3,213 4.13%
    RACINE, WI (FHA|USDA|VA) 1 $185,000 $185,000 $7,473 5.13%
    GREEN BAY, WI (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.88%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $185,000 $185,000 $7,819 5.00%
    Torrington, CT (FHA|USDA|VA) 1 $185,000 $185,000 $2,772 3.50%
    Winfield, KS (FHA|USDA|VA) 1 $185,000 $185,000 $2,630 3.88%
    Marinette, WI-MI (FHA|USDA|VA) 1 $175,000 $175,000 $2,401 4.38%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $165,000 $165,000 $2,938 4.13%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $155,000 $155,000 $3,347 4.88%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $150,000 $75,000 $0 5.00%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $145,000 $145,000 $2,445 5.13%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $145,000 $145,000 $4,351 3.75%
    Lexington, NE (FHA|USDA|VA) 1 $135,000 $135,000 $2,128 4.88%
    Dixon, IL (FHA|USDA|VA) 1 $135,000 $135,000 $3,048 4.50%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $125,000 $125,000 $3,409 4.13%
    Garden City, KS (FHA|USDA|VA) 1 $125,000 $125,000 $4,216 4.13%
    Marshall, MN (FHA|USDA|VA) 1 $125,000 $125,000 $5,558 3.13%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $125,000 $125,000 $3,914 3.38%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $115,000 $115,000 $3,130 3.88%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $95,000 $95,000 $2,771 4.50%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $85,000 $85,000 $4,030 4.50%
    Hutchinson, KS (FHA|USDA|VA) 1 $85,000 $85,000 $1,569 4.38%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $75,000 $75,000 $2,727 4.50%
    Inland Bank & Trust's top markets include Chicago, Springfield, Boston, Worcester, and New York among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against INLAND BANK & TRUST based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Rock Valley Credit Union
    Similarity Rank: 14
    SOMERSET
    Similarity Rank: 26
    Cleveland Selfreliance FCU
    Similarity Rank: 33
    First Community Credit Union
    Similarity Rank: 40
    POLISH NATIONAL
    Similarity Rank: 48
    N C P D Federal Credit Union
    Similarity Rank: 56
    SOUTHBRIDGE CREDIT UNION
    Similarity Rank: 80
    Liberty Bank for Savings
    Similarity Rank: 85
    HOME BANK AND TRUST COMPANY
    Similarity Rank: 90
    Florence Bank
    Similarity Rank: 96

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,670 $410,360,000 $245,725 $3,266 4.15%
    FHA 404 $82,280,000 $203,663 $8,014 4.39%
    VA 58 $14,920,000 $257,241 $6,143 4.33%
    USDA 11 $2,235,000 $203,182 $6,878 4.11%

    For 2019, Inland Bank & Trust's most frequently originated type of loan was Conventional, with 1,670 originations. Their 2nd most popular type was FHA, with 404 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,338 $291,970,000 $218,214 $5,133 4.12%
    Refi 444 $138,160,000 $311,171 $2,992 4.02%
    Cash Out Refi 278 $72,400,000 $260,432 $3,609 4.51%
    Other 56 $5,390,000 $96,250 $811 5.36%
    Home Improvement 27 $1,875,000 $69,444 $420 5.54%

    For 2019, Inland Bank & Trust's most frequently cited loan purpose was Home Purchase, with 1,338 originations. The 2nd most popular reason was Refi, with 444 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,725 $423,705,000 $245,626 $4,979 4.30%
    10 Year 157 $8,865,000 $56,465 $99 4.73%
    15 Year 121 $27,755,000 $229,380 $3,069 3.59%
    5 Year 54 $20,090,000 $372,037 $119 1.06%
    20 Year 49 $12,965,000 $264,592 $3,202 4.01%
    Other 34 $14,020,000 $412,353 $2,706 4.26%
    1 Year 3 $2,395,000 $798,333 $0 5.44%

    For 2019, Inland Bank & Trust's most frequently cited loan duration was 30 Year, with 1,725 originations. The 2nd most popular length was 10 Year, with 157 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,364 $339,350,000 $248,790
    $<1k 287 $19,885,000 $69,286
    $2k-3k 178 $43,340,000 $243,483
    $3k-4k 94 $24,350,000 $259,043
    $5k+ 54 $22,380,000 $414,444
    $4k-5k 41 $11,935,000 $291,098

    Inland Bank & Trust's average total fees were $4,979, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,364 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 930 $235,910,000 $253,667
    3-4% 764 $208,690,000 $273,154
    5-6% 308 $58,900,000 $191,234
    <2.5% 102 $560,000 $5,490
    6-7% 18 $3,150,000 $175,000
    7-8% 14 $750,000 $53,571
    2.5-3% 5 $1,365,000 $273,000
    Over 8% 2 $470,000 $235,000

    During 2019, Inland Bank & Trust's average interest rate for loans was 4.30%, while their most frequently originated rate bucket for loans was 4-5%, with 930 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 851 $233,005,000 $273,801 $5,001 4.26%
    $100k-200k 678 $105,940,000 $156,254 $4,637 4.41%
    $100,000 or less 355 $16,535,000 $46,577 $1,413 3.70%
    $400k-600k 205 $94,615,000 $461,537 $4,806 4.06%
    $600k-1MM 39 $28,495,000 $730,641 $6,547 4.41%
    $1MM+ 15 $31,205,000 $2,080,333 $7,016 4.64%

    2019 saw Inland Bank & Trust place emphasis on $200k-400k loans with 851 originations, totaling $233,005,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 483 $80,725,000 $167,133 $4,587 4.08%
    $100k-150k 414 $110,640,000 $267,246 $4,310 4.32%
    $75k-100k 412 $86,370,000 $209,636 $4,630 4.14%
    $50k or less 351 $42,355,000 $120,670 $4,296 4.01%
    $150k-250k 302 $96,930,000 $320,960 $3,665 4.35%
    $250k+ 143 $58,765,000 $410,944 $3,885 4.40%

    Inland Bank & Trust lent most frequently to those with incomes in the $50k-75k range, with 483 originations. The second most popular income band? $100k-150k, with 414 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 399 $93,595,000 $234,574 $4,052 4.19%
    20-30% 363 $82,825,000 $228,168 $3,745 4.12%
    44% 127 $28,975,000 $228,150 $4,730 3.97%
    43% 110 $25,670,000 $233,364 $4,880 4.24%
    41% 105 $23,395,000 $222,810 $4,226 4.32%
    38% 104 $20,510,000 $197,212 $3,825 4.30%
    39% 103 $21,745,000 $211,117 $4,171 4.16%
    42% 96 $21,860,000 $227,708 $3,205 4.43%
    37% 95 $20,035,000 $210,895 $4,214 3.98%
    40% 93 $19,955,000 $214,570 $4,594 4.01%
    <20% 88 $24,610,000 $279,659 $3,679 4.08%
    36% 76 $16,640,000 $218,947 $3,687 4.10%
    46% 65 $14,275,000 $219,615 $5,067 4.60%
    49% 60 $12,630,000 $210,500 $5,230 4.31%
    48% 59 $12,705,000 $215,339 $5,493 4.32%
    45% 52 $11,580,000 $222,692 $5,331 4.42%
    47% 50 $9,190,000 $183,800 $4,610 4.22%
    50-60% 50 $13,710,000 $274,200 $8,872 4.27%
    >60% 12 $2,090,000 $174,167 $4,306 3.40%

    Inland Bank & Trust lent most frequently to those with DTI ratios of 30-36%, with 399 originations. The next most common DTI ratio? 20-30%, with 363 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,873 $426,365,000 $227,637 $4,232 4.21%
    Not applicable 22 $30,320,000 $1,378,182 $0 4.87%
    Black 135 $24,345,000 $180,333 $5,297 4.02%
    Asian 44 $13,930,000 $316,591 $4,610 4.44%
    Not provided 56 $12,450,000 $222,321 $4,664 3.78%
    American Indian 8 $1,820,000 $227,500 $4,662 4.68%
    Native Hawaiian or Islander 3 $395,000 $131,667 $5,532 4.79%
    Other Asian 1 $95,000 $95,000 $2,670 4.00%
    Chinese 1 $75,000 $75,000 $4,555 4.25%

    Approval Rates

    Total approvals of all applications
    93.18%

    Inland Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.28%

    Inland Bank & Trust has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,143 $509,795,000 $237,888

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 18 $26,190,000 $1,455,000
    Single Family (1-4 Units):Manufactured 5 $755,000 $151,000
    Single Family (1-4 Units):Site-Built 2,120 $482,850,000 $227,759

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 75 $12,825,000 $171,000 $1,726 4.76%
    40-60% 123 $33,545,000 $272,724 $3,471 4.15%
    60-80% 642 $200,960,000 $313,022 $3,639 4.29%
    80-100% 1,091 $254,625,000 $233,387 $5,646 4.35%
    Over 100% 12 $3,100,000 $258,333 $9,411 4.66%
    Under 20% 200 $4,740,000 $23,700 $130 2.91%

    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 $72,801
    INLAND BANK & TRUST 1100 South Rand Road Lake Zurich, IL 60047 Full Service B&M $263,898
    INLAND BANK & TRUST 1900 West State Street Geneva, IL 60134 Full Service B&M $95,436
    INLAND BANK & TRUST 2225 South Wolf Road Hillside, IL 60162 Full Service B&M $152,850
    INLAND BANK & TRUST 2805 Butterfield Rd Oak Brook, IL 60523 Full Service Cyber Office $28,934
    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 $68,461
    INLAND BANK & TRUST 520 Crescent Boulevard Glen Ellyn, IL 60137 Full Service B&M $37,708
    INLAND BANK & TRUST 539 Spring Road Elmhurst, IL 60126 Full Service B&M $25,251
    INLAND BANK & TRUST 5465 South La Grange Road Countryside, IL 60525 Full Service B&M $84,731
    INLAND BANK & TRUST 6111 West Dempster Avenue Morton Grove, IL 60053 Full Service B&M $104,815
    INLAND BANK & TRUST 837 South Westmore Avenue Lombard, IL 60148 Full Service B&M $47,415

    For 2019, Inland Bank & Trust had 12 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $47,763
    Net interest income $34,611
    Total noninterest income $21,107
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $607
    Trading account gains and fees $0
    Additional Noninterest Income $20,500
    Pre-tax net operating income $11,382
    Securities gains (or losses, -) $492
    Income before extraordinary items $8,844
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $8,844
    Minority interest net income $0
    Net income $8,844
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $8,455

    Inland Bank & Trust's gross interest income from loans was $47,763,000.
    Inland Bank & Trust's net interest income from loans was $34,611,000.
    Inland Bank & Trust's fee based income from loans was $607,000.
    Inland Bank & Trust's net income from loans was $8,844,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $13,152
    Provision for credit losses $900
    Total noninterest expense $43,436
    Salaries and employee benefits $27,919
    Premises and equipment expense $3,598
    Additional noninterest expense $11,919
    Applicable income taxes $3,030
    Net charge-offs $76
    Cash dividends $0

    Inland Bank & Trust's interest expense for loans was $13,152,000.
    Inland Bank & Trust's payroll and benefits expense were $27,919,000.
    Inland Bank & Trust's property, plant and equipment expenses $3,598,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    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 1.0%
    All other family 0.0%
    Commercial & industrial loans 6.0%
    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 $969,705
    Deposits held in domestic offices $969,705
    Deposits by Individuals, partnerships, and corporations $893,079
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $75,345
    Deposits by Commercial banks and other depository institutions in U.S. $1,281
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $208,988
    Demand deposits $152,354
    Nontransaction accounts $760,717
    Money market deposit accounts (MMDAs) $436,042
    Other savings deposits (excluding MMDAs) $42,607
    Total time deposits $282,068
    Total time and savings deposits $817,351
    Noninterest-bearing deposits $152,354
    Interest-bearing deposits $817,351
    Retail deposits $899,954
    IRAs and Keogh plan accounts $32,989
    Brokered deposits $12,498
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,123,482
    Cash & Balances due from depository institutions $52,792
    Interest-bearing balances $46,427
    Total securities $220,580
    Federal funds sold & reverse repurchase $6
    Net loans and leases $809,736
    Loan and leases loss allowance $10,699
    Trading account assets $0
    Bank premises and fixed assets $13,021
    Other real estate owned $2,477
    Goodwill and other intangibles $72
    All other assets $24,798

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,123,482
    Total Liabilities $980,817
    Total deposits $969,705
    Interest-bearing deposits $817,351
    Deposits held in domestic offices $969,705
    % insured (estimated) $80
    Federal funds purchased and repurchase agreements $454
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $10,658

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $809,736
    Loan and leases loss allowance $10,699
    Total loans and leases (domestic) $820,435
    All real estate loans $695,609
    Real estate loans in domestic offices $695,609
    Construction and development loans $18,219
    Residential 1-4 family construction $8,426
    Other construction, all land development and other land $9,793
    Loans secured by nonfarm nonresidential properties $409,735
    Nonfarm nonresidential secured by owner-occupied properties $91,624
    Commercial real estate & other non-farm, non-residential $318,111
    Multifamily residential real estate $109,192
    1-4 family residential loans $158,407
    Farmland loans $56
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $96,538
    To non-U.S. addressees $0
    Loans to individuals $856
    Credit card loans $0
    Related Plans $43
    Consumer Auto Loans $28
    Other loans to individuals $785
    All other loans & leases $27,636
    Loans to foreign governments and official institutions $0
    Other loans $27,636
    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 $4,351
    Non 1-4 family restructured loans & leases $2,460
    Total loans and leases (foreign) $0

    INLAND BANK & TRUST had $809,736,000 of loans outstanding in 2019. $695,609,000 of loans were in real estate loans. $18,219,000 of loans were in development loans. $109,192,000 of loans were in multifamily mortgage loans. $158,407,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $28,000 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 212 $66,755 $314,882
    Nonfarm, nonresidential loans - <$100k 19 $924 $48,632
    Nonfarm, nonresidential loans - $100-250k 65 $8,798 $135,354
    Nonfarm, nonresidential loans - $250k-1MM 128 $57,033 $445,570
    Commercial & Industrial, US addressed loans - <$1MM 226 $28,879 $127,783
    Commercial & Industrial, US addressed loans - <$100k 135 $4,419 $32,733
    Commercial & Industrial, US addressed loans - $100-250k 40 $4,172 $104,300
    Commercial & Industrial, US addressed loans - $250k-1MM 51 $20,288 $397,804
    Farmland loans - <$1MM 1 $56 $56,000
    Farmland loans - <$100k 1 $56 $56,000