St Charles Bank & Trust Mortgage Rates, Fees & Info
Rosemont, ILLEI: 549300UDBUNBNEKR8J69
Tax ID: 36-3499090
Latest/2024 | 2023 Data | 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, Los Angeles, San Francisco, Phoenix, and Rockford among others. We have data for 19 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
59Origination Dollar Volume (All Markets)
$42,575,000Top 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) | 30 | $15,440,000 | $514,667 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 4 | $5,250,000 | $1,312,500 | $0 | 0.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $3,220,000 | $1,610,000 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $2,415,000 | $805,000 | $0 | 0.00% |
| ROCKFORD, IL (FHA|USDA|VA) | 5 | $1,945,000 | $389,000 | $0 | 0.00% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $1,495,000 | $1,495,000 | $0 | 0.00% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $1,485,000 | $1,485,000 | $0 | 0.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $1,485,000 | $1,485,000 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $1,340,000 | $670,000 | $0 | 0.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $1,125,000 | $1,125,000 | $0 | 0.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $0 | 0.00% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $1,065,000 | $1,065,000 | $0 | 0.00% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $0 | 0.00% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $835,000 | $835,000 | $0 | 0.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $0 | 0.00% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $0 | 0.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $0 | 0.00% |
| Dixon, IL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 59 | $42,575,000 | $721,610 | $0 | 0.00% |
For 2024, St Charles Bank & Trust's most frequently originated type of loan was Conventional, with 59 originations.
Loan Reason
For 2024, St Charles Bank & Trust's most frequently cited loan purpose was Home Purchase, with 35 originations. The 2nd most popular reason was Refi, with 17 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 59 | $42,575,000 | $721,610 | $0 | 0.00% |
For 2024, St Charles Bank & Trust's most frequently cited loan duration was Other, with 59 originations.
Loan Sizing
2024 saw St Charles Bank & Trust place emphasis on $600k-1MM loans with 17 originations, totaling $14,035,000 in origination value.
Applicant Income
St Charles Bank & Trust lent most frequently to those with incomes in the $250k+ range, with 29 originations. The second most popular income band? $150k-250k, with 7 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 59 | $42,575,000 | $721,610 | $0 | 0.00% |
St Charles Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 59 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.55%
St Charles Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination76.27%
St Charles Bank & Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 59 | $42,575,000 | $721,610 |