Fnbc Bank & Trust Mortgage Rates, Fees & Info

La Grange, IL

LEI: 549300FQ2SN6TRRGB032

Tax ID: 36-1947800

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Mortgage Data

Review & Overview

Fnbc Bank & Trust is a smaller bank specializing in Home Purchase loans. Fnbc Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Chicago, North Port, and Ottawa among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

Fnbc 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.

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Originations

65

Origination Dollar Volume (All Markets)

$38,945,000

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
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 61 $38,005,000 $623,033 $0 0.00%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $465,000 $465,000 $0 0.00%
Outside of Metro Areas 2 $310,000 $155,000 $0 0.00%
Ottawa, IL (FHA|USDA|VA) 1 $165,000 $165,000 $0 0.00%
Fnbc Bank & Trust's top markets include Chicago, North Port, and Ottawa among others.

Their top states include:
  • Illinois (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 65 $38,945,000 $599,154 $0 0.00%

    For 2023, Fnbc Bank & Trust's most frequently originated type of loan was Conventional, with 65 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 50 $32,040,000 $640,800 $0 0.00%
    Refi 10 $3,820,000 $382,000 $0 0.00%
    Other 3 $1,395,000 $465,000 $0 0.00%
    Home Improvement 2 $1,690,000 $845,000 $0 0.00%

    For 2023, Fnbc Bank & Trust's most frequently cited loan purpose was Home Purchase, with 50 originations. The 2nd most popular reason was Refi, with 10 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 65 $38,945,000 $599,154 $0 0.00%

    For 2023, Fnbc Bank & Trust's most frequently cited loan duration was Other, with 65 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 15 $4,625,000 $308,333 $0 0.00%
    $400k-600k 14 $6,990,000 $499,286 $0 0.00%
    $600k-1MM 13 $9,545,000 $734,231 $0 0.00%
    $1MM+ 11 $16,145,000 $1,467,727 $0 0.00%
    $100k-200k 10 $1,500,000 $150,000 $0 0.00%
    $100,000 or less 2 $140,000 $70,000 $0 0.00%

    2023 saw Fnbc Bank & Trust place emphasis on $200k-400k loans with 15 originations, totaling $4,625,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 15 $10,275,000 $685,000 $0 0.00%
    $150k-250k 10 $2,880,000 $288,000 $0 0.00%
    $100k-150k 3 $785,000 $261,667 $0 0.00%
    $75k-100k 3 $485,000 $161,667 $0 0.00%

    Fnbc Bank & Trust lent most frequently to those with incomes in the $250k+ range, with 15 originations. The second most popular income band? $150k-250k, with 10 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 65 $38,945,000 $599,154 $0 0.00%

    Fnbc Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 65 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 26 $18,940,000 $728,462 $0 0.00%
    White 28 $15,450,000 $551,786 $0 0.00%
    Not provided 7 $2,585,000 $369,286 $0 0.00%
    Asian 2 $940,000 $470,000 $0 0.00%
    American Indian 1 $935,000 $935,000 $0 0.00%
    Black 1 $95,000 $95,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    95.45%

    Fnbc Bank & Trust 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
    75.38%

    Fnbc Bank & Trust has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 65 $38,945,000 $599,154

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    65 $38,945,000 $599,154