Fnbc Bank & Trust Mortgage Rates, Fees & Info
La Grange, ILLEI: 549300FQ2SN6TRRGB032
Tax ID: 36-1947800
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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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
65Origination Dollar Volume (All Markets)
$38,945,000Top 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% |
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
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
2023 saw Fnbc Bank & Trust place emphasis on $200k-400k loans with 15 originations, totaling $4,625,000 in origination value.
Applicant Income
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
Approval Rates
Total approvals of all applications95.45%
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 origination75.38%
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 |