First State Bank Of Campbell Hill Mortgage Rates, Fees & Info

CAMPBELL HILL, IL

LEI: 549300CMO3QHQGZ2Z096

Tax ID: 37-0275005

Latest/2023 | 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
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    First State Bank Of Campbell Hill is a smaller bank specializing in Cash Out Refi, Home Purchase, and Refi loans. First State Bank Of Campbell Hill has a high proportion of conventional loans. Their top two markets are Carbondale and St. Louis .

    First State Bank Of Campbell Hill has an 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

    81

    Origination Dollar Volume (All Markets)

    $6,665,000

    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
    CARBONDALE-MARION, IL (FHA|USDA|VA) 29 $4,045,000 $139,483 $904 4.84%
    Outside of Metro Areas 51 $2,595,000 $50,882 $845 5.58%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $25,000 $25,000 $1,124 6.75%
    First State Bank Of Campbell Hill's top markets include Carbondale and St. Louis among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 81 $6,665,000 $82,284 $867 5.33%

    For 2018, First State Bank Of Campbell Hill's most frequently originated type of loan was Conventional, with 81 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 30 $2,040,000 $68,000 $799 5.41%
    Home Purchase 28 $2,620,000 $93,571 $984 5.34%
    Refi 14 $1,610,000 $115,000 $848 4.89%
    Home Improvement 5 $195,000 $39,000 $1,007 5.40%
    Other 4 $200,000 $50,000 $791 6.00%

    For 2018, First State Bank Of Campbell Hill's most frequently cited loan purpose was Cash Out Refi, with 30 originations. The 2nd most popular reason was Home Purchase, with 28 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 67 $4,805,000 $71,716 $870 5.40%
    5 Year 11 $1,335,000 $121,364 $0 4.98%
    10 Year 1 $115,000 $115,000 $679 4.25%
    1 Year 1 $305,000 $305,000 $0 5.25%
    3 Year 1 $105,000 $105,000 $0 5.25%

    For 2018, First State Bank Of Campbell Hill's most frequently cited loan duration was Other, with 67 originations. The 2nd most popular length was 5 Year, with 11 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 60 $4,400,000 $73,333

    First State Bank Of Campbell Hill's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 60 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 42 $4,090,000 $97,381
    5-6% 25 $2,005,000 $80,200
    6-7% 12 $480,000 $40,000
    7-8% 1 $45,000 $45,000
    Over 8% 1 $45,000 $45,000

    During 2018, First State Bank Of Campbell Hill's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 4-5%, with 42 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 54 $2,310,000 $42,778 $887 5.56%
    $100k-200k 23 $3,075,000 $133,696 $839 4.84%
    $200k-400k 3 $825,000 $275,000 $529 4.83%
    $400k-600k 1 $455,000 $455,000 $0 5.25%

    2018 saw First State Bank Of Campbell Hill place emphasis on $100,000 or less loans with 54 originations, totaling $2,310,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 25 $1,415,000 $56,600 $887 5.47%
    $50k-75k 24 $1,570,000 $65,417 $836 5.66%
    $75k-100k 14 $1,090,000 $77,857 $917 5.04%
    $100k-150k 8 $940,000 $117,500 $751 4.88%
    $150k-250k 2 $270,000 $135,000 $1,070 4.44%
    $250k+ 2 $760,000 $380,000 $0 5.25%

    First State Bank Of Campbell Hill lent most frequently to those with incomes in the $50k or less range, with 25 originations. The second most popular income band? $50k-75k, with 24 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 27 $1,385,000 $51,296 $891 5.61%
    <20% 14 $950,000 $67,857 $859 5.17%
    30-36% 11 $1,215,000 $110,455 $850 5.02%
    40% 5 $365,000 $73,000 $875 5.40%
    38% 4 $280,000 $70,000 $818 5.88%
    37% 3 $295,000 $98,333 $815 4.92%
    39% 2 $140,000 $70,000 $853 4.75%
    42% 1 $95,000 $95,000 $939 4.50%
    45% 1 $15,000 $15,000 $0 6.25%
    50-60% 1 $145,000 $145,000 $664 4.75%

    First State Bank Of Campbell Hill lent most frequently to those with DTI ratios of 20-30%, with 27 originations. The next most common DTI ratio? <20%, with 14 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 75 $6,135,000 $81,800 $868 5.33%
    Not applicable 5 $505,000 $101,000 $0 5.15%
    Black 1 $25,000 $25,000 $841 5.75%

    Approval Rates

    Total approvals of all applications
    82.91%

    First State Bank Of Campbell Hill has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    80.25%

    First State Bank Of Campbell Hill has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 81 $6,665,000 $82,284

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $105,000 $105,000
    Single Family (1-4 Units):Manufactured 23 $1,315,000 $57,174
    Single Family (1-4 Units):Site-Built 57 $5,245,000 $92,018

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 11 $915,000 $83,182 $764 5.30%
    40-60% 12 $1,190,000 $99,167 $966 4.99%
    60-80% 36 $2,440,000 $67,778 $899 5.58%
    80-100% 19 $1,905,000 $100,263 $776 5.16%
    Under 20% 3 $215,000 $71,667 $1,015 4.83%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 5 35.7%
    FIRST HORIZON BANK Conventional home mortgage Struggling to pay mortgage 3 21.4%
    FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 1 7.1%
    FIRST HORIZON BANK FHA mortgage Trouble during payment process 1 7.1%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Problem with a credit reporting company's investigation into an existing problem 1 7.1%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 7.1%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Incorrect information on your report 1 7.1%