Hinsdale Bank & Trust Company Mortgage Rates, Fees & Info

Hinsdale, IL

LEI: 9LIMABRJ9VPV74PBJB17

Tax ID: 36-3909363

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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)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • 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, Hailey, and Whitewater among others. We have data for 3 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 an above average pick rate when compared to similar lenders.

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    Originations

    104

    Origination Dollar Volume (All Markets)

    $59,090,000

    Employee count

    178

    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) 102 $57,000,000 $558,824 $0 0.00%
    Hailey, ID (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $0 0.00%
    Whitewater, WI (FHA|USDA|VA) 1 $585,000 $585,000 $0 0.00%
    Hinsdale Bank & Trust Company's top markets include Chicago, Hailey, and Whitewater among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 104 $59,090,000 $568,173 $0 0.00%

    For 2018, Hinsdale Bank & Trust Company's most frequently originated type of loan was Conventional, with 104 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 60 $31,720,000 $528,667 $0 0.00%
    Refi 35 $23,475,000 $670,714 $0 0.00%
    Cash Out Refi 6 $3,080,000 $513,333 $0 0.00%
    Other 2 $190,000 $95,000 $0 0.00%
    Home Improvement 1 $625,000 $625,000 $0 0.00%

    For 2018, Hinsdale Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 60 originations. The 2nd most popular reason was Refi, with 35 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 104 $59,090,000 $568,173 $0 0.00%

    For 2018, Hinsdale Bank & Trust Company's most frequently cited loan duration was Other, with 104 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 25 $7,625,000 $305,000 $0 0.00%
    $600k-1MM 23 $17,745,000 $771,522 $0 0.00%
    $400k-600k 18 $8,920,000 $495,556 $0 0.00%
    $100k-200k 13 $1,895,000 $145,769 $0 0.00%
    $1MM+ 13 $22,035,000 $1,695,000 $0 0.00%
    $100,000 or less 12 $870,000 $72,500 $0 0.00%

    2018 saw Hinsdale Bank & Trust Company place emphasis on $200k-400k loans with 25 originations, totaling $7,625,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 20 $17,650,000 $882,500 $0 0.00%
    $150k-250k 15 $8,305,000 $553,667 $0 0.00%
    $100k-150k 10 $3,390,000 $339,000 $0 0.00%
    $75k-100k 7 $1,025,000 $146,429 $0 0.00%
    $50k or less 4 $420,000 $105,000 $0 0.00%

    Hinsdale Bank & Trust Company lent most frequently to those with incomes in the $250k+ range, with 20 originations. The second most popular income band? $150k-250k, with 15 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 104 $59,090,000 $568,173 $0 0.00%

    Hinsdale Bank & Trust Company lent most frequently to those with DTI ratios of Exempt%, with 104 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 59 $30,825,000 $522,458 $0 0.00%
    Not applicable 28 $18,310,000 $653,929 $0 0.00%
    Asian 9 $6,345,000 $705,000 $0 0.00%
    Not provided 6 $3,150,000 $525,000 $0 0.00%
    Black 2 $460,000 $230,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    99.16%

    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
    90.38%

    Hinsdale Bank & Trust Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 104 $59,090,000 $568,173

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 36 $22,470,000 $624,167
    Single Family (1-4 Units):Site-Built 68 $36,620,000 $538,529

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    HOMESTEAD FUNDING CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Hinsdale Bank & Trust Company 1000 Hillgrove Avenue Western Springs, IL 60558 Full Service B&M $173,957
    Hinsdale Bank & Trust Company 1111 Warren Avenue Downers Grove, IL 60515 Full Service B&M $179,505
    Hinsdale Bank & Trust Company 12400 Archer Avenue Lemont, IL 60439 Full Service B&M $65,809
    Hinsdale Bank & Trust Company 130 West Chestnut Hinsdale, IL 60521 Limited, Drive-thru $0
    Hinsdale Bank & Trust Company 150 Butterfield Road Elmhurst, IL 60126 Full Service B&M $150,020
    Hinsdale Bank & Trust Company 17 East Burlington Street Riverside, IL 60546 Full Service B&M $105,805
    Hinsdale Bank & Trust Company 1759 North Mannheim Road Stone Park, IL 60165 Full Service B&M $9,053
    Hinsdale Bank & Trust Company 200 West Burlington Clarendon Hills, IL 60514 Full Service B&M $158,307
    Hinsdale Bank & Trust Company 25 East First Street Hinsdale, IL 60521 Full Service Cyber Office $0
    Hinsdale Bank & Trust Company 25 East First Street Hinsdale, IL 60521 Full Service B&M $966,197
    Hinsdale Bank & Trust Company 400 W Lake Street Elmhurst, IL 60126 Full Service B&M $55,544
    Hinsdale Bank & Trust Company 6262 South Route 83 Willowbrook, IL 60527 Full Service B&M $114,089
    Hinsdale Bank & Trust Company 718 Ogden Ave Downers Grove, IL 60515 Limited, Drive-thru $5

    For 2018, Hinsdale Bank & Trust Company had 13 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $97,629
    Net interest income $82,101
    Total noninterest income $13,476
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $2,203
    Trading account gains and fees $943
    Additional Noninterest Income $10,330
    Pre-tax net operating income $47,759
    Securities gains (or losses, -) $-157
    Income before extraordinary items $35,400
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $35,400
    Minority interest net income $0
    Net income $35,400
    Sale, conversion, retirement of capital stock, net $530
    Net operating income $35,524

    Hinsdale Bank & Trust Company's gross interest income from loans was $97,629,000.
    Hinsdale Bank & Trust Company's net interest income from loans was $82,101,000.
    Hinsdale Bank & Trust Company's fee based income from loans was $2,203,000.
    Hinsdale Bank & Trust Company's net income from loans was $35,400,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $15,528
    Provision for credit losses $2,826
    Total noninterest expense $44,992
    Salaries and employee benefits $22,908
    Premises and equipment expense $5,907
    Additional noninterest expense $16,177
    Applicable income taxes $12,202
    Net charge-offs $1,340
    Cash dividends $6,000

    Hinsdale Bank & Trust Company's interest expense for loans was $15,528,000.
    Hinsdale Bank & Trust Company's payroll and benefits expense were $22,908,000.
    Hinsdale Bank & Trust Company's property, plant and equipment expenses $5,907,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 100.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,064,229
    Deposits held in domestic offices $2,064,229
    Deposits by Individuals, partnerships, and corporations $1,885,375
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $166,971
    Deposits by Commercial banks and other depository institutions in U.S. $11,883
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $560,585
    Demand deposits $545,208
    Nontransaction accounts $1,503,644
    Money market deposit accounts (MMDAs) $813,897
    Other savings deposits (excluding MMDAs) $178,214
    Total time deposits $511,533
    Total time and savings deposits $1,519,021
    Noninterest-bearing deposits $445,433
    Interest-bearing deposits $1,618,796
    Retail deposits $1,827,554
    IRAs and Keogh plan accounts $38,591
    Brokered deposits $85,321
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,458,416
    Cash & Balances due from depository institutions $94,911
    Interest-bearing balances $71,497
    Total securities $231,606
    Federal funds sold & reverse repurchase $4
    Net loans and leases $1,906,415
    Loan and leases loss allowance $11,915
    Trading account assets $3,355
    Bank premises and fixed assets $38,838
    Other real estate owned $2,226
    Goodwill and other intangibles $84,971
    All other assets $96,090

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,458,416
    Total Liabilities $2,135,425
    Total deposits $2,064,229
    Interest-bearing deposits $1,618,796
    Deposits held in domestic offices $2,064,229
    % insured (estimated) $67
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $3,333
    Other borrowed funds $45,000
    Subordinated debt $0
    All other liabilities $22,863

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,906,415
    Loan and leases loss allowance $11,915
    Total loans and leases (domestic) $1,918,330
    All real estate loans $761,029
    Real estate loans in domestic offices $761,029
    Construction and development loans $108,628
    Residential 1-4 family construction $32,581
    Other construction, all land development and other land $76,047
    Loans secured by nonfarm nonresidential properties $400,846
    Nonfarm nonresidential secured by owner-occupied properties $194,121
    Commercial real estate & other non-farm, non-residential $206,725
    Multifamily residential real estate $117,599
    1-4 family residential loans $132,666
    Farmland loans $1,290
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $815,118
    To non-U.S. addressees $0
    Loans to individuals $309,420
    Credit card loans $0
    Related Plans $3,300
    Consumer Auto Loans $4
    Other loans to individuals $306,116
    All other loans & leases $32,763
    Loans to foreign governments and official institutions $0
    Other loans $2,064
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $25,538
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,549
    Non 1-4 family restructured loans & leases $115
    Total loans and leases (foreign) $0

    Hinsdale Bank & Trust Company had $1,906,415,000 of loans outstanding in 2018. $761,029,000 of loans were in real estate loans. $108,628,000 of loans were in development loans. $117,599,000 of loans were in multifamily mortgage loans. $132,666,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $4,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 269 $87,582 $325,584
    Nonfarm, nonresidential loans - <$100k 18 $930 $51,667
    Nonfarm, nonresidential loans - $100-250k 74 $10,034 $135,595
    Nonfarm, nonresidential loans - $250k-1MM 177 $76,618 $432,870
    Commercial & Industrial, US addressed loans - <$1MM 17,439 $302,658 $17,355
    Commercial & Industrial, US addressed loans - <$100k 16,258 $111,958 $6,886
    Commercial & Industrial, US addressed loans - $100-250k 758 $67,194 $88,646
    Commercial & Industrial, US addressed loans - $250k-1MM 423 $123,506 $291,976