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, 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

107

Origination Dollar Volume (All Markets)

$72,085,000

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) 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%
St Charles Bank & Trust's top markets include Chicago, Rockford, Houston, Kalispell, and North Port among others.

Their top states include:
  • Illinois (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Montana (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • 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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 61 $40,465,000 $663,361 $0 0.00%
    Refi 29 $24,905,000 $858,793 $0 0.00%
    Cash Out Refi 12 $3,470,000 $289,167 $0 0.00%
    Other 3 $1,045,000 $348,333 $0 0.00%
    Home Improvement 2 $2,200,000 $1,100,000 $0 0.00%

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $400k-600k 26 $12,760,000 $490,769 $0 0.00%
    $200k-400k 24 $7,230,000 $301,250 $0 0.00%
    $1MM+ 20 $37,530,000 $1,876,500 $0 0.00%
    $600k-1MM 16 $12,150,000 $759,375 $0 0.00%
    $100,000 or less 11 $725,000 $65,909 $0 0.00%
    $100k-200k 10 $1,690,000 $169,000 $0 0.00%

    2022 saw St Charles Bank & Trust place emphasis on $400k-600k loans with 26 originations, totaling $12,760,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 27 $25,075,000 $928,704 $0 0.00%
    $150k-250k 18 $9,380,000 $521,111 $0 0.00%
    $100k-150k 17 $6,735,000 $396,176 $0 0.00%
    $75k-100k 10 $1,850,000 $185,000 $0 0.00%
    $50k-75k 6 $1,230,000 $205,000 $0 0.00%
    $50k or less 4 $570,000 $142,500 $0 0.00%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 69 $40,735,000 $590,362 $0 0.00%
    Not applicable 20 $22,000,000 $1,100,000 $0 0.00%
    Not provided 7 $3,165,000 $452,143 $0 0.00%
    Black 3 $2,685,000 $895,000 $0 0.00%
    Asian 5 $1,865,000 $373,000 $0 0.00%
    Asian Indian 2 $880,000 $440,000 $0 0.00%
    Chinese 1 $755,000 $755,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    97.32%

    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 origination
    77.57%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    107 $72,085,000 $673,692