Lisle Savings Bank Mortgage Rates, Fees & Info

Lisle, IL

LEI: 549300C1KJJH2Y73E274

Tax ID: 36-1720096

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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

    Lisle Savings Bank is a smaller bank specializing in Refi and Home Purchase loans. Lisle Savings Bank has a high proportion of conventional loans. Their top (well, only) market is Chicago.

    Lisle Savings Bank has an above average approval rate when compared to the average across all lenders. They have an above 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

    194

    Origination Dollar Volume (All Markets)

    $44,700,000

    Employee count

    58

    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) 194 $44,700,000 $230,412 $0 0.00%
    Lisle Savings Bank's top markets include and Chicago among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 194 $44,700,000 $230,412 $0 0.00%

    For 2019, Lisle Savings Bank's most frequently originated type of loan was Conventional, with 194 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 110 $25,820,000 $234,727 $0 0.00%
    Home Purchase 76 $17,730,000 $233,289 $0 0.00%
    Home Improvement 4 $430,000 $107,500 $0 0.00%
    Other 4 $720,000 $180,000 $0 0.00%

    For 2019, Lisle Savings Bank's most frequently cited loan purpose was Refi, with 110 originations. The 2nd most popular reason was Home Purchase, with 76 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 194 $44,700,000 $230,412 $0 0.00%

    For 2019, Lisle Savings Bank's most frequently cited loan duration was Other, with 194 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 91 $25,005,000 $274,780 $0 0.00%
    $100k-200k 66 $9,830,000 $148,939 $0 0.00%
    $100,000 or less 21 $1,565,000 $74,524 $0 0.00%
    $400k-600k 13 $5,955,000 $458,077 $0 0.00%
    $600k-1MM 2 $1,300,000 $650,000 $0 0.00%
    $1MM+ 1 $1,045,000 $1,045,000 $0 0.00%

    2019 saw Lisle Savings Bank place emphasis on $200k-400k loans with 91 originations, totaling $25,005,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 49 $11,675,000 $238,265 $0 0.00%
    $100k-150k 39 $9,395,000 $240,897 $0 0.00%
    $75k-100k 35 $6,145,000 $175,571 $0 0.00%
    $50k-75k 23 $3,675,000 $159,783 $0 0.00%
    $250k+ 13 $5,165,000 $397,308 $0 0.00%
    $50k or less 7 $575,000 $82,143 $0 0.00%

    Lisle Savings Bank lent most frequently to those with incomes in the $150k-250k range, with 49 originations. The second most popular income band? $100k-150k, with 39 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 194 $44,700,000 $230,412 $0 0.00%

    Lisle Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 194 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 164 $36,580,000 $223,049 $0 0.00%
    Not applicable 24 $7,200,000 $300,000 $0 0.00%
    Black 2 $440,000 $220,000 $0 0.00%
    Asian 3 $435,000 $145,000 $0 0.00%
    Not provided 1 $45,000 $45,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    95.40%

    Lisle Savings Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    90.72%

    Lisle Savings Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 194 $44,700,000 $230,412

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 194 $44,700,000 $230,412

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Lisle Savings Bank 1450 Maple Lisle, IL 60532 Full Service B&M $249,849
    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 $136,421

    For 2019, Lisle Savings Bank had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $15,679
    Net interest income $11,317
    Total noninterest income $4,166
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $69
    Trading account gains and fees $0
    Additional Noninterest Income $4,097
    Pre-tax net operating income $7,228
    Securities gains (or losses, -) $574
    Income before extraordinary items $7,132
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $7,132
    Minority interest net income $0
    Net income $7,132
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $6,609

    Lisle Savings Bank's gross interest income from loans was $15,679,000.
    Lisle Savings Bank's net interest income from loans was $11,317,000.
    Lisle Savings Bank's fee based income from loans was $69,000.
    Lisle Savings Bank's net income from loans was $7,132,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $4,362
    Provision for credit losses $-217
    Total noninterest expense $8,472
    Salaries and employee benefits $4,862
    Premises and equipment expense $799
    Additional noninterest expense $2,811
    Applicable income taxes $670
    Net charge-offs $-145
    Cash dividends $0

    Lisle Savings Bank's interest expense for loans was $4,362,000.
    Lisle Savings Bank's payroll and benefits expense were $4,862,000.
    Lisle Savings Bank's property, plant and equipment expenses $799,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 2.0%
    Real Estate loans 2.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 14.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    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 $370,833
    Deposits held in domestic offices $370,833
    Deposits by Individuals, partnerships, and corporations $364,899
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $5,409
    Deposits by Commercial banks and other depository institutions in U.S. $525
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $13,018
    Demand deposits $13,018
    Nontransaction accounts $357,815
    Money market deposit accounts (MMDAs) $136,693
    Other savings deposits (excluding MMDAs) $37,304
    Total time deposits $183,819
    Total time and savings deposits $357,815
    Noninterest-bearing deposits $11,290
    Interest-bearing deposits $359,543
    Retail deposits $346,678
    IRAs and Keogh plan accounts $38,052
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $504,745
    Cash & Balances due from depository institutions $39,992
    Interest-bearing balances $38,424
    Total securities $183,220
    Federal funds sold & reverse repurchase $0
    Net loans and leases $240,977
    Loan and leases loss allowance $2,915
    Trading account assets $0
    Bank premises and fixed assets $2,521
    Other real estate owned $123
    Goodwill and other intangibles $0
    All other assets $37,912

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $504,745
    Total Liabilities $377,609
    Total deposits $370,833
    Interest-bearing deposits $359,543
    Deposits held in domestic offices $370,833
    % insured (estimated) $95
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $6,776

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $240,977
    Loan and leases loss allowance $2,915
    Total loans and leases (domestic) $243,892
    All real estate loans $240,922
    Real estate loans in domestic offices $240,922
    Construction and development loans $615
    Residential 1-4 family construction $561
    Other construction, all land development and other land $54
    Loans secured by nonfarm nonresidential properties $17,763
    Nonfarm nonresidential secured by owner-occupied properties $2,587
    Commercial real estate & other non-farm, non-residential $15,176
    Multifamily residential real estate $1,290
    1-4 family residential loans $221,254
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $1,328
    Commercial and industrial loans $1,641
    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 $4,720
    Non 1-4 family restructured loans & leases $1,740
    Total loans and leases (foreign) $0

    Lisle Savings Bank had $240,977,000 of loans outstanding in 2019. $240,922,000 of loans were in real estate loans. $615,000 of loans were in development loans. $1,290,000 of loans were in multifamily mortgage loans. $221,254,000 of loans were in 1-4 family mortgage loans. $1,328,000 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 38 $9,090 $239,211
    Nonfarm, nonresidential loans - <$100k 1 $14 $14,000
    Nonfarm, nonresidential loans - $100-250k 18 $2,279 $126,611
    Nonfarm, nonresidential loans - $250k-1MM 19 $6,797 $357,737
    Commercial & Industrial, US addressed loans - <$1MM 5 $1,641 $328,200
    Commercial & Industrial, US addressed loans - $100-250k 1 $125 $125,000
    Commercial & Industrial, US addressed loans - $250k-1MM 4 $1,516 $379,000
    Agriculture operations loans - <$1MM 4 $864 $216,000
    Agriculture operations loans - $100-250k 1 $15 $15,000
    Agriculture operations loans - $250k-1MM 3 $849 $283,000