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, Crestview, Niles, Riverside, and Naples among others. We have data for 6 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.

    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

    123

    Origination Dollar Volume (All Markets)

    $113,695,000

    Employee count

    249

    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) 118 $89,000,000 $754,237 $0 0.00%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $16,005,000 $16,005,000 $0 0.00%
    NILES, MI (FHA|USDA|VA) 1 $4,325,000 $4,325,000 $0 0.00%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $3,505,000 $3,505,000 $0 0.00%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $495,000 $495,000 $0 0.00%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $365,000 $365,000 $0 0.00%
    Hinsdale Bank & Trust Company's top markets include Chicago, Crestview, Niles, Riverside, and Naples among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 123 $113,695,000 $924,350 $0 0.00%

    For 2019, Hinsdale Bank & Trust Company's most frequently originated type of loan was Conventional, with 123 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 71 $52,585,000 $740,634 $0 0.00%
    Refi 42 $52,730,000 $1,255,476 $0 0.00%
    Cash Out Refi 8 $4,610,000 $576,250 $0 0.00%
    Home Improvement 2 $3,770,000 $1,885,000 $0 0.00%

    For 2019, Hinsdale Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 71 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 123 $113,695,000 $924,350 $0 0.00%

    For 2019, Hinsdale Bank & Trust Company's most frequently cited loan duration was Other, with 123 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $600k-1MM 34 $25,910,000 $762,059 $0 0.00%
    $400k-600k 29 $14,345,000 $494,655 $0 0.00%
    $1MM+ 25 $65,635,000 $2,625,400 $0 0.00%
    $200k-400k 18 $5,360,000 $297,778 $0 0.00%
    $100k-200k 14 $2,260,000 $161,429 $0 0.00%
    $100,000 or less 3 $185,000 $61,667 $0 0.00%

    2019 saw Hinsdale Bank & Trust Company place emphasis on $600k-1MM loans with 34 originations, totaling $25,910,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 33 $36,625,000 $1,109,848 $0 0.00%
    $150k-250k 18 $10,330,000 $573,889 $0 0.00%
    $100k-150k 6 $2,240,000 $373,333 $0 0.00%
    $50k-75k 4 $600,000 $150,000 $0 0.00%
    $75k-100k 4 $1,130,000 $282,500 $0 0.00%
    $50k or less 2 $900,000 $450,000 $0 0.00%

    Hinsdale Bank & Trust Company lent most frequently to those with incomes in the $250k+ range, with 33 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% 123 $113,695,000 $924,350 $0 0.00%

    Hinsdale Bank & Trust Company lent most frequently to those with DTI ratios of Exempt%, with 123 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 49 $59,275,000 $1,209,694 $0 0.00%
    White 62 $45,910,000 $740,484 $0 0.00%
    Asian Indian 2 $3,880,000 $1,940,000 $0 0.00%
    Asian 7 $3,415,000 $487,857 $0 0.00%
    Not provided 3 $1,215,000 $405,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    94.27%

    Hinsdale Bank & Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    81.30%

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

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 123 $113,695,000 $924,350

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 36 $49,860,000 $1,385,000
    Single Family (1-4 Units):Site-Built 87 $63,835,000 $733,736

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    HOMESTEAD FUNDING CORPORATION Reverse mortgage Closing on a 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 $176,464
    Hinsdale Bank & Trust Company 1111 Warren Avenue Downers Grove, IL 60515 Full Service B&M $189,706
    Hinsdale Bank & Trust Company 12400 Archer Avenue Lemont, IL 60439 Full Service B&M $71,543
    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 $143,191
    Hinsdale Bank & Trust Company 17 East Burlington Street Riverside, IL 60546 Full Service B&M $110,348
    Hinsdale Bank & Trust Company 1759 North Mannheim Road Stone Park, IL 60165 Full Service B&M $10,918
    Hinsdale Bank & Trust Company 200 West Burlington Clarendon Hills, IL 60514 Full Service B&M $191,289
    Hinsdale Bank & Trust Company 25 East First Street Hinsdale, IL 60521 Full Service B&M $1,079,956
    Hinsdale Bank & Trust Company 400 W Lake Street Elmhurst, IL 60126 Full Service B&M $47,275
    Hinsdale Bank & Trust Company 6262 South Route 83, Suite 200 Willowbrook, IL 60527 Full Service B&M $125,960
    Hinsdale Bank & Trust Company 718 Ogden Ave Downers Grove, IL 60515 Limited, Drive-thru $0

    For 2019, Hinsdale Bank & Trust Company had 12 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $111,539
    Net interest income $87,981
    Total noninterest income $14,768
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $2,463
    Trading account gains and fees $1,122
    Additional Noninterest Income $11,183
    Pre-tax net operating income $51,869
    Securities gains (or losses, -) $124
    Income before extraordinary items $38,472
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $38,472
    Minority interest net income $0
    Net income $38,472
    Sale, conversion, retirement of capital stock, net $407
    Net operating income $38,374

    Hinsdale Bank & Trust Company's gross interest income from loans was $111,539,000.
    Hinsdale Bank & Trust Company's net interest income from loans was $87,981,000.
    Hinsdale Bank & Trust Company's fee based income from loans was $2,463,000.
    Hinsdale Bank & Trust Company's net income from loans was $38,472,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $23,558
    Provision for credit losses $2,409
    Total noninterest expense $48,471
    Salaries and employee benefits $24,977
    Premises and equipment expense $6,527
    Additional noninterest expense $16,967
    Applicable income taxes $13,521
    Net charge-offs $3,371
    Cash dividends $16,000

    Hinsdale Bank & Trust Company's interest expense for loans was $23,558,000.
    Hinsdale Bank & Trust Company's payroll and benefits expense were $24,977,000.
    Hinsdale Bank & Trust Company's property, plant and equipment expenses $6,527,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 1.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 2.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,720,163
    Deposits held in domestic offices $2,720,163
    Deposits by Individuals, partnerships, and corporations $2,413,109
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $307,053
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $805,649
    Demand deposits $735,932
    Nontransaction accounts $1,914,514
    Money market deposit accounts (MMDAs) $1,050,705
    Other savings deposits (excluding MMDAs) $227,993
    Total time deposits $635,816
    Total time and savings deposits $1,984,231
    Noninterest-bearing deposits $550,878
    Interest-bearing deposits $2,169,285
    Retail deposits $2,345,656
    IRAs and Keogh plan accounts $56,658
    Brokered deposits $183,379
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,306,788
    Cash & Balances due from depository institutions $164,783
    Interest-bearing balances $142,647
    Total securities $417,390
    Federal funds sold & reverse repurchase $254
    Net loans and leases $2,416,542
    Loan and leases loss allowance $10,952
    Trading account assets $6,713
    Bank premises and fixed assets $49,217
    Other real estate owned $2,376
    Goodwill and other intangibles $130,253
    All other assets $119,260

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,306,788
    Total Liabilities $2,862,437
    Total deposits $2,720,163
    Interest-bearing deposits $2,169,285
    Deposits held in domestic offices $2,720,163
    % insured (estimated) $69
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $6,713
    Other borrowed funds $98,305
    Subordinated debt $0
    All other liabilities $37,256

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,416,542
    Loan and leases loss allowance $10,952
    Total loans and leases (domestic) $2,427,494
    All real estate loans $1,153,288
    Real estate loans in domestic offices $1,153,288
    Construction and development loans $232,147
    Residential 1-4 family construction $144,219
    Other construction, all land development and other land $87,928
    Loans secured by nonfarm nonresidential properties $475,049
    Nonfarm nonresidential secured by owner-occupied properties $229,697
    Commercial real estate & other non-farm, non-residential $245,352
    Multifamily residential real estate $186,973
    1-4 family residential loans $257,823
    Farmland loans $1,296
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $908,573
    To non-U.S. addressees $0
    Loans to individuals $316,474
    Credit card loans $0
    Related Plans $2,989
    Consumer Auto Loans $27
    Other loans to individuals $313,458
    All other loans & leases $49,159
    Loans to foreign governments and official institutions $0
    Other loans $2,502
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $21,255
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,158
    Non 1-4 family restructured loans & leases $74
    Total loans and leases (foreign) $0

    Hinsdale Bank & Trust Company had $2,416,542,000 of loans outstanding in 2019. $1,153,288,000 of loans were in real estate loans. $232,147,000 of loans were in development loans. $186,973,000 of loans were in multifamily mortgage loans. $257,823,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $27,000 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 356 $119,856 $336,674
    Nonfarm, nonresidential loans - <$100k 26 $1,559 $59,962
    Nonfarm, nonresidential loans - $100-250k 109 $15,941 $146,248
    Nonfarm, nonresidential loans - $250k-1MM 221 $102,356 $463,149
    Commercial & Industrial, US addressed loans - <$1MM 18,546 $342,087 $18,445
    Commercial & Industrial, US addressed loans - <$100k 17,280 $126,573 $7,325
    Commercial & Industrial, US addressed loans - $100-250k 778 $70,705 $90,880
    Commercial & Industrial, US addressed loans - $250k-1MM 488 $144,809 $296,740
    Farmland loans - <$1MM 1 $59 $59,000
    Farmland loans - <$100k 1 $59 $59,000