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, Rockford, Houston, Kalispell, and North Port among others. We have data for 25 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
107Origination Dollar Volume (All Markets)
$72,085,000Top 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) | 72 | $45,850,000 | $636,806 | $0 | 0.00% |
| ROCKFORD, IL (FHA|USDA|VA) | 4 | $4,130,000 | $1,032,500 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $3,160,000 | $1,580,000 | $0 | 0.00% |
| Kalispell, MT (FHA|USDA|VA) | 4 | $2,900,000 | $725,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $2,590,000 | $1,295,000 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $0 | 0.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $1,570,000 | $785,000 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $1,350,000 | $675,000 | $0 | 0.00% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $1,155,000 | $1,155,000 | $0 | 0.00% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $0 | 0.00% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $0 | 0.00% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 0.00% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 0.00% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 0.00% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 0.00% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 0.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 0.00% |
| MADISON, WI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $155,000 | $155,000 | $0 | 0.00% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 107 | $72,085,000 | $673,692 | $0 | 0.00% |
For 2022, St Charles Bank & Trust's most frequently originated type of loan was Conventional, with 107 originations.
Loan Reason
For 2022, St Charles Bank & Trust's most frequently cited loan purpose was Home Purchase, with 61 originations. The 2nd most popular reason was Refi, with 29 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 107 | $72,085,000 | $673,692 | $0 | 0.00% |
For 2022, St Charles Bank & Trust's most frequently cited loan duration was Other, with 107 originations.
Loan Sizing
2022 saw St Charles Bank & Trust place emphasis on $400k-600k loans with 26 originations, totaling $12,760,000 in origination value.
Applicant Income
St Charles Bank & Trust lent most frequently to those with incomes in the $250k+ range, with 27 originations. The second most popular income band? $150k-250k, with 18 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 107 | $72,085,000 | $673,692 | $0 | 0.00% |
St Charles Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 107 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.32%
St Charles Bank & Trust has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination77.57%
St Charles Bank & Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 107 | $72,085,000 | $673,692 |