Hinsdale Bank & Trust Company Mortgage Rates, Fees & Info

Hinsdale, IL

LEI: 9LIMABRJ9VPV74PBJB17

Tax ID: 36-3909363

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Mortgage Data

Review & Overview

Hinsdale Bank & Trust Company is a smaller bank specializing in Home Purchase and Refi loans. Hinsdale Bank & Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Chicago, Los Angeles, Naples, Las Vegas, and Niles among others. We have data for 26 markets. (Some data included below & more in-depth data is available with an active subscription.)

Hinsdale Bank & Trust Company 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

133

Origination Dollar Volume (All Markets)

$126,125,000

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) 99 $92,085,000 $930,152 $0 0.00%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 5 $6,875,000 $1,375,000 $0 0.00%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $4,505,000 $4,505,000 $0 0.00%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $3,750,000 $1,875,000 $0 0.00%
NILES, MI (FHA|USDA|VA) 1 $3,095,000 $3,095,000 $0 0.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $1,445,000 $1,445,000 $0 0.00%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $1,350,000 $675,000 $0 0.00%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $1,335,000 $1,335,000 $0 0.00%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $1,245,000 $1,245,000 $0 0.00%
ST. GEORGE, UT (FHA|USDA|VA) 1 $1,225,000 $1,225,000 $0 0.00%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $1,120,000 $560,000 $0 0.00%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $0 0.00%
RACINE, WI (FHA|USDA|VA) 1 $895,000 $895,000 $0 0.00%
ANN ARBOR, MI (FHA|USDA|VA) 1 $725,000 $725,000 $0 0.00%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $725,000 $725,000 $0 0.00%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $705,000 $705,000 $0 0.00%
Outside of Metro Areas 3 $685,000 $228,333 $0 0.00%
Kalispell, MT (FHA|USDA|VA) 1 $655,000 $655,000 $0 0.00%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $565,000 $565,000 $0 0.00%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $545,000 $545,000 $0 0.00%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $405,000 $405,000 $0 0.00%
Sonora, CA (FHA|USDA|VA) 1 $305,000 $305,000 $0 0.00%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $285,000 $285,000 $0 0.00%
THE VILLAGES, FL (FHA|USDA|VA) 1 $245,000 $245,000 $0 0.00%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $145,000 $145,000 $0 0.00%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 0.00%
Hinsdale Bank & Trust Company's top markets include Chicago, Los Angeles, Naples, Las Vegas, and Niles among others.

Their top states include:
  • Illinois (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 133 $126,125,000 $948,308 $0 0.00%

    For 2023, Hinsdale Bank & Trust Company's most frequently originated type of loan was Conventional, with 133 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 79 $73,735,000 $933,354 $0 0.00%
    Refi 42 $43,090,000 $1,025,952 $0 0.00%
    Home Improvement 5 $8,155,000 $1,631,000 $0 0.00%
    Other 4 $660,000 $165,000 $0 0.00%
    Cash Out Refi 3 $485,000 $161,667 $0 0.00%

    For 2023, Hinsdale Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 79 originations. The 2nd most popular reason was Refi, with 42 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 133 $126,125,000 $948,308 $0 0.00%

    For 2023, Hinsdale Bank & Trust Company's most frequently cited loan duration was Other, with 133 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 40 $78,600,000 $1,965,000 $0 0.00%
    $600k-1MM 39 $31,665,000 $811,923 $0 0.00%
    $200k-400k 21 $6,005,000 $285,952 $0 0.00%
    $400k-600k 15 $7,455,000 $497,000 $0 0.00%
    $100k-200k 14 $2,220,000 $158,571 $0 0.00%
    $100,000 or less 4 $180,000 $45,000 $0 0.00%

    2023 saw Hinsdale Bank & Trust Company place emphasis on $1MM+ loans with 40 originations, totaling $78,600,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 60 $74,170,000 $1,236,167 $0 0.00%
    $150k-250k 13 $6,715,000 $516,538 $0 0.00%
    $100k-150k 10 $2,570,000 $257,000 $0 0.00%
    $50k or less 3 $525,000 $175,000 $0 0.00%
    $75k-100k 2 $190,000 $95,000 $0 0.00%
    $50k-75k 1 $125,000 $125,000 $0 0.00%

    Hinsdale Bank & Trust Company lent most frequently to those with incomes in the $250k+ range, with 60 originations. The second most popular income band? $150k-250k, with 13 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 133 $126,125,000 $948,308 $0 0.00%

    Hinsdale Bank & Trust Company lent most frequently to those with DTI ratios of Exempt%, with 133 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 70 $56,990,000 $814,143 $0 0.00%
    Not applicable 41 $39,795,000 $970,610 $0 0.00%
    Not provided 10 $11,610,000 $1,161,000 $0 0.00%
    Asian 7 $11,205,000 $1,600,714 $0 0.00%
    Asian Indian 2 $5,130,000 $2,565,000 $0 0.00%
    Other Asian 1 $845,000 $845,000 $0 0.00%
    Black 2 $550,000 $275,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    95.96%

    Hinsdale Bank & Trust Company 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
    81.20%

    Hinsdale Bank & Trust Company has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 133 $126,125,000 $948,308

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    133 $126,125,000 $948,308