Lisle Savings Bank Mortgage Rates, Fees & Info

Lisle, IL

LEI: 549300C1KJJH2Y73E274

Tax ID: 36-1720096

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

Jump to:

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

    Lisle Savings Bank is a smaller bank specializing in Home Purchase and Refi loans. Lisle Savings Bank has a high proportion of conventional loans. Their top two markets are Chicago and Ottawa .

    Lisle Savings Bank 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    Originations

    134

    Origination Dollar Volume (All Markets)

    $29,010,000

    Employee count

    62

    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) 133 $28,905,000 $217,331 $0 0.00%
    Ottawa, IL (FHA|USDA|VA) 1 $105,000 $105,000 $0 0.00%
    Lisle Savings Bank's top markets include Chicago and Ottawa among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 134 $29,010,000 $216,493 $0 0.00%

    For 2018, Lisle Savings Bank's most frequently originated type of loan was Conventional, with 134 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 84 $19,460,000 $231,667 $0 0.00%
    Refi 41 $8,545,000 $208,415 $0 0.00%
    Other 7 $885,000 $126,429 $0 0.00%
    Home Improvement 2 $120,000 $60,000 $0 0.00%

    For 2018, Lisle Savings Bank's most frequently cited loan purpose was Home Purchase, with 84 originations. The 2nd most popular reason was Refi, with 41 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 134 $29,010,000 $216,493 $0 0.00%

    For 2018, Lisle Savings Bank's most frequently cited loan duration was Other, with 134 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 59 $16,225,000 $275,000 $0 0.00%
    $100k-200k 46 $6,940,000 $150,870 $0 0.00%
    $100,000 or less 20 $1,210,000 $60,500 $0 0.00%
    $400k-600k 7 $3,175,000 $453,571 $0 0.00%
    $600k-1MM 2 $1,460,000 $730,000 $0 0.00%

    2018 saw Lisle Savings Bank place emphasis on $200k-400k loans with 59 originations, totaling $16,225,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 35 $8,855,000 $253,000 $0 0.00%
    $150k-250k 27 $7,755,000 $287,222 $0 0.00%
    $75k-100k 26 $4,840,000 $186,154 $0 0.00%
    $50k-75k 16 $2,220,000 $138,750 $0 0.00%
    $50k or less 10 $700,000 $70,000 $0 0.00%
    $250k+ 3 $1,155,000 $385,000 $0 0.00%

    Lisle Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 35 originations. The second most popular income band? $150k-250k, with 27 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 134 $29,010,000 $216,493 $0 0.00%

    Lisle Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 134 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 109 $22,885,000 $209,954 $0 0.00%
    Not applicable 14 $3,200,000 $228,571 $0 0.00%
    Asian 9 $2,425,000 $269,444 $0 0.00%
    Not provided 1 $255,000 $255,000 $0 0.00%
    Black 1 $245,000 $245,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    94.54%

    Lisle Savings Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    88.06%

    Lisle Savings Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 134 $29,010,000 $216,493

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $305,000 $305,000
    Single Family (1-4 Units):Site-Built 133 $28,705,000 $215,827

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Lisle Savings Bank 1450 Maple Lisle, IL 60532 Full Service B&M $257,368
    Lisle Savings Bank 1700 Robin Lane Lisle, IL 60532 Limited, Mobile/Seasonal Office $0
    Lisle Savings Bank 4720 Main Street Lisle, IL 60532 Full Service B&M $139,253

    For 2018, Lisle Savings Bank had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $15,061
    Net interest income $11,967
    Total noninterest income $1,560
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $73
    Trading account gains and fees $0
    Additional Noninterest Income $1,487
    Pre-tax net operating income $4,123
    Securities gains (or losses, -) $65
    Income before extraordinary items $3,990
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $3,990
    Minority interest net income $0
    Net income $3,990
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $3,928

    Lisle Savings Bank's gross interest income from loans was $15,061,000.
    Lisle Savings Bank's net interest income from loans was $11,967,000.
    Lisle Savings Bank's fee based income from loans was $73,000.
    Lisle Savings Bank's net income from loans was $3,990,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,094
    Provision for credit losses $242
    Total noninterest expense $9,162
    Salaries and employee benefits $5,363
    Premises and equipment expense $754
    Additional noninterest expense $3,045
    Applicable income taxes $198
    Net charge-offs $334
    Cash dividends $0

    Lisle Savings Bank's interest expense for loans was $3,094,000.
    Lisle Savings Bank's payroll and benefits expense were $5,363,000.
    Lisle Savings Bank's property, plant and equipment expenses $754,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 3.0%
    Real Estate loans 4.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 15.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 2.0%
    HELOC loans 0.0%
    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 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $381,801
    Deposits held in domestic offices $381,801
    Deposits by Individuals, partnerships, and corporations $370,731
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $10,755
    Deposits by Commercial banks and other depository institutions in U.S. $315
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $13,562
    Demand deposits $13,562
    Nontransaction accounts $368,239
    Money market deposit accounts (MMDAs) $152,712
    Other savings deposits (excluding MMDAs) $38,820
    Total time deposits $176,707
    Total time and savings deposits $368,239
    Noninterest-bearing deposits $11,539
    Interest-bearing deposits $370,262
    Retail deposits $355,696
    IRAs and Keogh plan accounts $39,934
    Brokered deposits $5,498
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $508,802
    Cash & Balances due from depository institutions $27,459
    Interest-bearing balances $25,682
    Total securities $204,914
    Federal funds sold & reverse repurchase $0
    Net loans and leases $228,434
    Loan and leases loss allowance $2,987
    Trading account assets $0
    Bank premises and fixed assets $2,764
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $45,231

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $508,802
    Total Liabilities $392,497
    Total deposits $381,801
    Interest-bearing deposits $370,262
    Deposits held in domestic offices $381,801
    % insured (estimated) $93
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $3,000
    Subordinated debt $0
    All other liabilities $7,696

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $228,434
    Loan and leases loss allowance $2,987
    Total loans and leases (domestic) $231,421
    All real estate loans $227,078
    Real estate loans in domestic offices $227,078
    Construction and development loans $383
    Residential 1-4 family construction $317
    Other construction, all land development and other land $66
    Loans secured by nonfarm nonresidential properties $18,902
    Nonfarm nonresidential secured by owner-occupied properties $3,456
    Commercial real estate & other non-farm, non-residential $15,446
    Multifamily residential real estate $1,505
    1-4 family residential loans $206,288
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $1,453
    Commercial and industrial loans $2,889
    To non-U.S. addressees $0
    Loans to individuals $0
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $0
    Other loans to individuals $0
    All other loans & leases $1
    Loans to foreign governments and official institutions $0
    Other loans $1
    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 $5,262
    Non 1-4 family restructured loans & leases $1,761
    Total loans and leases (foreign) $0

    Lisle Savings Bank had $228,434,000 of loans outstanding in 2018. $227,078,000 of loans were in real estate loans. $383,000 of loans were in development loans. $1,505,000 of loans were in multifamily mortgage loans. $206,288,000 of loans were in 1-4 family mortgage loans. $1,453,000 of loans were in farm loans. $0 of loans were in credit card loans. $0 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 37 $9,774 $264,162
    Nonfarm, nonresidential loans - <$100k 1 $35 $35,000
    Nonfarm, nonresidential loans - $100-250k 16 $2,271 $141,938
    Nonfarm, nonresidential loans - $250k-1MM 20 $7,468 $373,400
    Commercial & Industrial, US addressed loans - <$1MM 8 $2,889 $361,125
    Commercial & Industrial, US addressed loans - $100-250k 2 $237 $118,500
    Commercial & Industrial, US addressed loans - $250k-1MM 6 $2,652 $442,000
    Agriculture operations loans - <$1MM 4 $948 $237,000
    Agriculture operations loans - $100-250k 1 $27 $27,000
    Agriculture operations loans - $250k-1MM 3 $921 $307,000