St Charles Bank & Trust Mortgage Rates, Fees & Info
Rosemont, ILLEI: 549300UDBUNBNEKR8J69
Tax ID: 36-3499090
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
St Charles Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. St Charles Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Chicago, Bozeman, Greenville, Port St. Lucie, and Orlando among others. We have data for 17 markets. (Some data included below & more in-depth data is available with an active subscription.)St Charles 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
44Origination Dollar Volume (All Markets)
$26,690,000Top 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) | 26 | $11,170,000 | $429,615 | $0 | 0.00% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $0 | 0.00% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $0 | 0.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $1,695,000 | $1,695,000 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $1,325,000 | $1,325,000 | $0 | 0.00% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $0 | 0.00% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $1,025,000 | $1,025,000 | $0 | 0.00% |
| ROCKFORD, IL (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $0 | 0.00% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $925,000 | $925,000 | $0 | 0.00% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $0 | 0.00% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $0 | 0.00% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 0.00% |
| Freeport, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| Marshalltown, IA (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 | 44 | $26,690,000 | $606,591 | $0 | 0.00% |
For 2023, St Charles Bank & Trust's most frequently originated type of loan was Conventional, with 44 originations.
Loan Reason
For 2023, St Charles Bank & Trust's most frequently cited loan purpose was Home Purchase, with 24 originations. The 2nd most popular reason was Refi, with 16 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 44 | $26,690,000 | $606,591 | $0 | 0.00% |
For 2023, St Charles Bank & Trust's most frequently cited loan duration was Other, with 44 originations.
Loan Sizing
2023 saw St Charles Bank & Trust place emphasis on $600k-1MM loans with 11 originations, totaling $9,065,000 in origination value.
Applicant Income
St Charles Bank & Trust lent most frequently to those with incomes in the $250k+ range, with 17 originations. The second most popular income band? $150k-250k, with 8 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 44 | $26,690,000 | $606,591 | $0 | 0.00% |
St Charles Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 44 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.67%
St Charles Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination81.82%
St Charles Bank & Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 44 | $26,690,000 | $606,591 |