St Charles Bank & Trust Mortgage Rates, Fees & Info

Rosemont, IL

LEI: 549300UDBUNBNEKR8J69

Tax ID: 36-3499090

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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

44

Origination Dollar Volume (All Markets)

$26,690,000

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) 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%
St Charles Bank & Trust's top markets include Chicago, Bozeman, Greenville, Port St. Lucie, and Orlando among others.

Their top states include:
  • Illinois (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Montana (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • 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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 24 $17,720,000 $738,333 $0 0.00%
    Refi 16 $6,310,000 $394,375 $0 0.00%
    Other 2 $160,000 $80,000 $0 0.00%
    Home Improvement 1 $805,000 $805,000 $0 0.00%
    Cash Out Refi 1 $1,695,000 $1,695,000 $0 0.00%

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $600k-1MM 11 $9,065,000 $824,091 $0 0.00%
    $400k-600k 8 $4,040,000 $505,000 $0 0.00%
    $1MM+ 7 $10,575,000 $1,510,714 $0 0.00%
    $200k-400k 7 $1,975,000 $282,143 $0 0.00%
    $100,000 or less 6 $420,000 $70,000 $0 0.00%
    $100k-200k 5 $615,000 $123,000 $0 0.00%

    2023 saw St Charles Bank & Trust place emphasis on $600k-1MM loans with 11 originations, totaling $9,065,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 17 $15,175,000 $892,647 $0 0.00%
    $150k-250k 8 $3,150,000 $393,750 $0 0.00%
    $75k-100k 4 $820,000 $205,000 $0 0.00%
    $100k-150k 2 $970,000 $485,000 $0 0.00%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 28 $18,600,000 $664,286 $0 0.00%
    Not applicable 10 $5,050,000 $505,000 $0 0.00%
    Asian 5 $2,135,000 $427,000 $0 0.00%
    Not provided 1 $905,000 $905,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    91.67%

    St Charles Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    81.82%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    44 $26,690,000 $606,591