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 Refi and Home Purchase loans. Fnbc Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Chicago, Niles, Holland, Ottawa, and Tampa among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)Fnbc Bank & Trust 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
115Origination Dollar Volume (All Markets)
$51,995,000Top 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) | 110 | $51,200,000 | $465,455 | $0 | 0.00% |
| NILES, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| Holland, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 115 | $51,995,000 | $452,130 | $0 | 0.00% |
For 2022, Fnbc Bank & Trust's most frequently originated type of loan was Conventional, with 115 originations.
Loan Reason
For 2022, Fnbc Bank & Trust's most frequently cited loan purpose was Refi, with 55 originations. The 2nd most popular reason was Home Purchase, with 54 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 115 | $51,995,000 | $452,130 | $0 | 0.00% |
For 2022, Fnbc Bank & Trust's most frequently cited loan duration was Other, with 115 originations.
Loan Sizing
2022 saw Fnbc Bank & Trust place emphasis on $400k-600k loans with 26 originations, totaling $12,080,000 in origination value.
Applicant Income
Fnbc Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 22 originations. The second most popular income band? $150k-250k, with 21 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 115 | $51,995,000 | $452,130 | $0 | 0.00% |
Fnbc Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 115 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.00%
Fnbc Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination85.22%
Fnbc Bank & Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 115 | $51,995,000 | $452,130 |