St Charles Bank & Trust Mortgage Rates, Fees & Info

Rosemont, IL

LEI: 549300UDBUNBNEKR8J69

Tax ID: 36-3499090

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    St Charles Bank & Trust is a smaller bank specializing in Refi and Home Purchase loans. St Charles Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Chicago, Rockford, Whitewater, and Niles among others. We have data for 5 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.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    48

    Origination Dollar Volume (All Markets)

    $16,240,000

    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) 44 $14,460,000 $328,636 $0 0.00%
    ROCKFORD, IL (FHA|USDA|VA) 1 $1,155,000 $1,155,000 $0 0.00%
    Whitewater, WI (FHA|USDA|VA) 1 $295,000 $295,000 $0 0.00%
    NILES, MI (FHA|USDA|VA) 1 $165,000 $165,000 $0 0.00%
    Outside of Metro Areas 1 $165,000 $165,000 $0 0.00%
    St Charles Bank & Trust's top markets include Chicago, Rockford, Whitewater, and Niles among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 48 $16,240,000 $338,333 $0 0.00%

    For 2018, St Charles Bank & Trust's most frequently originated type of loan was Conventional, with 48 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 31 $11,405,000 $367,903 $0 0.00%
    Home Purchase 13 $4,095,000 $315,000 $0 0.00%
    Other 2 $250,000 $125,000 $0 0.00%
    Home Improvement 1 $305,000 $305,000 $0 0.00%
    Cash Out Refi 1 $185,000 $185,000 $0 0.00%

    For 2018, St Charles Bank & Trust's most frequently cited loan purpose was Refi, with 31 originations. The 2nd most popular reason was Home Purchase, with 13 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 48 $16,240,000 $338,333 $0 0.00%

    For 2018, St Charles Bank & Trust's most frequently cited loan duration was Other, with 48 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 14 $1,930,000 $137,857 $0 0.00%
    $200k-400k 13 $3,725,000 $286,538 $0 0.00%
    $100,000 or less 7 $545,000 $77,857 $0 0.00%
    $400k-600k 7 $3,255,000 $465,000 $0 0.00%
    $600k-1MM 4 $3,190,000 $797,500 $0 0.00%
    $1MM+ 3 $3,595,000 $1,198,333 $0 0.00%

    2018 saw St Charles Bank & Trust place emphasis on $100k-200k loans with 14 originations, totaling $1,930,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 9 $3,775,000 $419,444 $0 0.00%
    $150k-250k 6 $1,350,000 $225,000 $0 0.00%
    $50k or less 4 $600,000 $150,000 $0 0.00%
    $75k-100k 3 $425,000 $141,667 $0 0.00%
    $50k-75k 2 $630,000 $315,000 $0 0.00%

    St Charles Bank & Trust lent most frequently to those with incomes in the $250k+ range, with 9 originations. The second most popular income band? $150k-250k, with 6 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 48 $16,240,000 $338,333 $0 0.00%

    St Charles Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 48 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 23 $6,715,000 $291,957 $0 0.00%
    Not applicable 20 $6,180,000 $309,000 $0 0.00%
    Black 2 $1,710,000 $855,000 $0 0.00%
    Asian 2 $1,560,000 $780,000 $0 0.00%
    Not provided 1 $75,000 $75,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    92.98%

    St Charles Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    89.58%

    St Charles Bank & Trust has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 48 $16,240,000 $338,333

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 10 $6,740,000 $674,000
    Single Family (1-4 Units):Site-Built 38 $9,500,000 $250,000

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    South Carolina State Housing Finance and Development Authority Conventional home mortgage Struggling to pay mortgage 2 100.0%