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 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.

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    Originations

    278

    Origination Dollar Volume (All Markets)

    $67,800,000

    Employee count

    57

    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) 277 $67,625,000 $244,134 $0 0.00%
    Ottawa, IL (FHA|USDA|VA) 1 $175,000 $175,000 $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 278 $67,800,000 $243,885 $0 0.00%

    For 2021, Lisle Savings Bank's most frequently originated type of loan was Conventional, with 278 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 212 $49,180,000 $231,981 $0 0.00%
    Home Purchase 58 $17,690,000 $305,000 $0 0.00%
    Other 5 $515,000 $103,000 $0 0.00%
    Home Improvement 3 $415,000 $138,333 $0 0.00%

    For 2021, Lisle Savings Bank's most frequently cited loan purpose was Refi, with 212 originations. The 2nd most popular reason was Home Purchase, with 58 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 278 $67,800,000 $243,885 $0 0.00%

    For 2021, Lisle Savings Bank's most frequently cited loan duration was Other, with 278 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 134 $37,940,000 $283,134 $0 0.00%
    $100k-200k 89 $14,135,000 $158,820 $0 0.00%
    $400k-600k 27 $12,575,000 $465,741 $0 0.00%
    $100,000 or less 26 $1,790,000 $68,846 $0 0.00%
    $600k-1MM 2 $1,360,000 $680,000 $0 0.00%

    2021 saw Lisle Savings Bank place emphasis on $200k-400k loans with 134 originations, totaling $37,940,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 65 $16,985,000 $261,308 $0 0.00%
    $150k-250k 59 $17,115,000 $290,085 $0 0.00%
    $75k-100k 39 $7,505,000 $192,436 $0 0.00%
    $50k-75k 34 $5,710,000 $167,941 $0 0.00%
    $250k+ 29 $9,805,000 $338,103 $0 0.00%
    $50k or less 12 $1,140,000 $95,000 $0 0.00%

    Lisle Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 65 originations. The second most popular income band? $150k-250k, with 59 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 278 $67,800,000 $243,885 $0 0.00%

    Lisle Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 278 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 203 $50,405,000 $248,300 $0 0.00%
    Not applicable 35 $8,455,000 $241,571 $0 0.00%
    Not provided 22 $5,280,000 $240,000 $0 0.00%
    Asian 13 $2,685,000 $206,538 $0 0.00%
    Black 3 $765,000 $255,000 $0 0.00%
    Asian Indian 1 $145,000 $145,000 $0 0.00%
    American Indian 1 $65,000 $65,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    96.23%

    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
    86.33%

    Lisle Savings Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 278 $67,800,000 $243,885

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    278 $67,800,000 $243,885

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Lisle Savings Bank 1450 Maple Lisle, IL 60532 Full Service B&M $292,376
    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 $139,499

    For 2021, Lisle Savings Bank had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $15,188
    Net interest income $13,253
    Total noninterest income $1,456
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $48
    Trading account gains and fees $0
    Additional Noninterest Income $1,408
    Pre-tax net operating income $6,579
    Securities gains (or losses, -) $1,465
    Income before extraordinary items $5,480
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $5,480
    Minority interest net income $0
    Net income $5,480
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $4,322

    Lisle Savings Bank's gross interest income from loans was $15,188,000.
    Lisle Savings Bank's net interest income from loans was $13,253,000.
    Lisle Savings Bank's fee based income from loans was $48,000.
    Lisle Savings Bank's net income from loans was $5,480,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,935
    Provision for credit losses $-410
    Total noninterest expense $8,540
    Salaries and employee benefits $5,051
    Premises and equipment expense $796
    Additional noninterest expense $2,693
    Applicable income taxes $2,564
    Net charge-offs $-39
    Cash dividends $0

    Lisle Savings Bank's interest expense for loans was $1,935,000.
    Lisle Savings Bank's payroll and benefits expense were $5,051,000.
    Lisle Savings Bank's property, plant and equipment expenses $796,000.

    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 12.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 1.0%
    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 $431,609
    Deposits held in domestic offices $431,609
    Deposits by Individuals, partnerships, and corporations $419,466
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $10,426
    Deposits by Commercial banks and other depository institutions in U.S. $1,717
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $15,869
    Demand deposits $15,869
    Nontransaction accounts $415,740
    Money market deposit accounts (MMDAs) $218,397
    Other savings deposits (excluding MMDAs) $61,040
    Total time deposits $136,302
    Total time and savings deposits $415,740
    Noninterest-bearing deposits $15,685
    Interest-bearing deposits $415,924
    Retail deposits $417,602
    IRAs and Keogh plan accounts $36,907
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $611,137
    Cash & Balances due from depository institutions $28,983
    Interest-bearing balances $27,506
    Total securities $260,410
    Federal funds sold & reverse repurchase $0
    Net loans and leases $272,870
    Loan and leases loss allowance $3,410
    Trading account assets $0
    Bank premises and fixed assets $2,651
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $46,223

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $611,137
    Total Liabilities $473,957
    Total deposits $431,609
    Interest-bearing deposits $415,924
    Deposits held in domestic offices $431,609
    % insured (estimated) $94
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $35,000
    Subordinated debt $0
    All other liabilities $7,348

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $272,870
    Loan and leases loss allowance $3,410
    Total loans and leases (domestic) $276,280
    All real estate loans $274,899
    Real estate loans in domestic offices $274,899
    Construction and development loans $556
    Residential 1-4 family construction $0
    Other construction, all land development and other land $556
    Loans secured by nonfarm nonresidential properties $15,930
    Nonfarm nonresidential secured by owner-occupied properties $2,210
    Commercial real estate & other non-farm, non-residential $13,720
    Multifamily residential real estate $1,259
    1-4 family residential loans $257,154
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $330
    Commercial and industrial loans $1,050
    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 $4,144
    Non 1-4 family restructured loans & leases $1,696
    Total loans and leases (foreign) $0

    Lisle Savings Bank had $272,870,000 of loans outstanding in 2021. $274,899,000 of loans were in real estate loans. $556,000 of loans were in development loans. $1,259,000 of loans were in multifamily mortgage loans. $257,154,000 of loans were in 1-4 family mortgage loans. $330,000 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 34 $8,225 $241,912
    Nonfarm, nonresidential loans - <$100k 1 $1 $1,000
    Nonfarm, nonresidential loans - $100-250k 16 $1,794 $112,125
    Nonfarm, nonresidential loans - $250k-1MM 17 $6,430 $378,235
    Commercial & Industrial, US addressed loans - <$1MM 10 $1,050 $105,000
    Commercial & Industrial, US addressed loans - <$100k 6 $131 $21,833
    Commercial & Industrial, US addressed loans - $100-250k 1 $99 $99,000
    Commercial & Industrial, US addressed loans - $250k-1MM 3 $820 $273,333
    Agriculture operations loans - <$1MM 2 $326 $163,000
    Agriculture operations loans - $250k-1MM 2 $326 $163,000