Hinsdale Bank & Trust Company Mortgage Rates, Fees & Info
Hinsdale, ILLEI: 9LIMABRJ9VPV74PBJB17
Tax ID: 36-3909363
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Mortgage Data
Bank Data
Review & Overview
Hinsdale Bank & Trust Company is a smaller bank specializing in Refi and Home Purchase loans. Hinsdale Bank & Trust Company has a high proportion of conventional loans. Their top two markets are Chicago and Whitewater .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
135Origination Dollar Volume (All Markets)
$115,685,000Employee count
215Top 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) | 133 | $114,275,000 | $859,211 | $0 | 0.00% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $595,000 | $595,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 135 | $115,685,000 | $856,926 | $0 | 0.00% |
For 2020, Hinsdale Bank & Trust Company's most frequently originated type of loan was Conventional, with 135 originations.
Loan Reason
For 2020, Hinsdale Bank & Trust Company's most frequently cited loan purpose was Refi, with 78 originations. The 2nd most popular reason was Home Purchase, with 43 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 135 | $115,685,000 | $856,926 | $0 | 0.00% |
For 2020, Hinsdale Bank & Trust Company's most frequently cited loan duration was Other, with 135 originations.
Loan Sizing
2020 saw Hinsdale Bank & Trust Company place emphasis on $600k-1MM loans with 46 originations, totaling $35,430,000 in origination value.
Applicant Income
Hinsdale Bank & Trust Company lent most frequently to those with incomes in the $250k+ range, with 29 originations. The second most popular income band? $150k-250k, with 16 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 135 | $115,685,000 | $856,926 | $0 | 0.00% |
Hinsdale Bank & Trust Company lent most frequently to those with DTI ratios of Exempt%, with 135 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.61%
Hinsdale Bank & Trust Company has an average approval rate.
Pick Rate
Approvals leading to origination85.93%
Hinsdale Bank & Trust Company has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 135 | $115,685,000 | $856,926 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 45 | $61,565,000 | $1,368,111 |
| Single Family (1-4 Units):Site-Built | 90 | $54,120,000 | $601,333 |
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| HOMESTEAD FUNDING CORPORATION | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| HOMESTEAD FUNDING CORPORATION | Conventional home mortgage | Closing on a mortgage | 1 | 50.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Hinsdale Bank & Trust Company, National Association | 1000 Hillgrove Avenue Western Springs, IL 60558 | Full Service B&M | $206,279 |
| Hinsdale Bank & Trust Company, National Association | 1109-1111 West Madison Street Maywood, IL 60153 | Full Service B&M | $996 |
| Hinsdale Bank & Trust Company, National Association | 1111 Warren Avenue Downers Grove, IL 60515 | Full Service B&M | $241,483 |
| Hinsdale Bank & Trust Company, National Association | 12400 Archer Avenue Lemont, IL 60439 | Full Service B&M | $81,832 |
| Hinsdale Bank & Trust Company, National Association | 130 West Chestnut Hinsdale, IL 60521 | Limited, Drive-thru | $0 |
| Hinsdale Bank & Trust Company, National Association | 150 Butterfield Road Elmhurst, IL 60126 | Full Service B&M | $161,482 |
| Hinsdale Bank & Trust Company, National Association | 17 East Burlington Street Riverside, IL 60546 | Full Service B&M | $127,547 |
| Hinsdale Bank & Trust Company, National Association | 1759 North Mannheim Road Stone Park, IL 60165 | Full Service B&M | $16,092 |
| Hinsdale Bank & Trust Company, National Association | 200 West Burlington Clarendon Hills, IL 60514 | Full Service B&M | $198,411 |
| Hinsdale Bank & Trust Company, National Association | 25 East First Street Hinsdale, IL 60521 | Full Service B&M | $1,399,497 |
| Hinsdale Bank & Trust Company, National Association | 3824 York Road Oak Brook, IL 60523 | Full Service B&M | $15,693 |
| Hinsdale Bank & Trust Company, National Association | 400 W Lake Street Elmhurst, IL 60126 | Full Service B&M | $55,678 |
| Hinsdale Bank & Trust Company, National Association | 6053 West 79th Street Burbank, IL 60459 | Full Service B&M | $42,997 |
| Hinsdale Bank & Trust Company, National Association | 6262 South Route 83, Suite 200 Willowbrook, IL 60527 | Full Service B&M | $144,278 |
| Hinsdale Bank & Trust Company, National Association | 6734 Joliet Road Countryside, IL 60525 | Full Service B&M | $378,207 |
| Hinsdale Bank & Trust Company, National Association | 718 Ogden Ave Downers Grove, IL 60515 | Limited, Drive-thru | $0 |
| Hinsdale Bank & Trust Company, National Association | 7380 S. Route 83 Darien, IL 60561 | Full Service B&M | $45,893 |
For 2020, Hinsdale Bank & Trust Company had 17 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $121,786 |
| Net interest income | $101,659 |
| Total noninterest income | $17,291 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $3,223 |
| Trading account gains and fees | $1,053 |
| Additional Noninterest Income | $13,015 |
| Pre-tax net operating income | $30,910 |
| Securities gains (or losses, -) | $179 |
| Income before extraordinary items | $22,733 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $22,733 |
| Minority interest net income | $0 |
| Net income | $22,733 |
| Sale, conversion, retirement of capital stock, net | $-208 |
| Net operating income | $22,591 |
Hinsdale Bank & Trust Company's gross interest income from loans was $121,786,000.
Hinsdale Bank & Trust Company's net interest income from loans was $101,659,000.
Hinsdale Bank & Trust Company's fee based income from loans was $3,223,000.
Hinsdale Bank & Trust Company's net income from loans was $22,733,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $20,127 |
| Provision for credit losses | $16,866 |
| Total noninterest expense | $71,174 |
| Salaries and employee benefits | $29,296 |
| Premises and equipment expense | $5,631 |
| Additional noninterest expense | $36,247 |
| Applicable income taxes | $8,356 |
| Net charge-offs | $5,701 |
| Cash dividends | $33,000 |
Hinsdale Bank & Trust Company's interest expense for loans was $20,127,000.
Hinsdale Bank & Trust Company's payroll and benefits expense were $29,296,000.
Hinsdale Bank & Trust Company's property, plant and equipment expenses $5,631,000.
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 | 1.0% |
| 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 | $3,305,355 |
| Deposits held in domestic offices | $3,305,355 |
| Deposits by Individuals, partnerships, and corporations | $3,024,579 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $278,041 |
| Deposits by Commercial banks and other depository institutions in U.S. | $2,735 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $1,120,838 |
| Demand deposits | $1,109,052 |
| Nontransaction accounts | $2,184,517 |
| Money market deposit accounts (MMDAs) | $1,377,594 |
| Other savings deposits (excluding MMDAs) | $249,278 |
| Total time deposits | $557,646 |
| Total time and savings deposits | $2,196,303 |
| Noninterest-bearing deposits | $936,031 |
| Interest-bearing deposits | $2,369,324 |
| Retail deposits | $2,910,828 |
| IRAs and Keogh plan accounts | $60,933 |
| Brokered deposits | $231,930 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $4,002,593 |
| Cash & Balances due from depository institutions | $771,756 |
| Interest-bearing balances | $750,697 |
| Total securities | $352,803 |
| Federal funds sold & reverse repurchase | $15,004 |
| Net loans and leases | $2,560,359 |
| Loan and leases loss allowance | $29,280 |
| Trading account assets | $15,017 |
| Bank premises and fixed assets | $44,923 |
| Other real estate owned | $1,400 |
| Goodwill and other intangibles | $128,922 |
| All other assets | $112,409 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $4,002,593 |
| Total Liabilities | $3,564,801 |
| Total deposits | $3,305,355 |
| Interest-bearing deposits | $2,369,324 |
| Deposits held in domestic offices | $3,305,355 |
| % insured (estimated) | $64 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $14,993 |
| Other borrowed funds | $149,000 |
| Subordinated debt | $0 |
| All other liabilities | $95,453 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $2,560,359 |
| Loan and leases loss allowance | $29,280 |
| Total loans and leases (domestic) | $2,589,639 |
| All real estate loans | $1,032,418 |
| Real estate loans in domestic offices | $1,032,418 |
| Construction and development loans | $176,867 |
| Residential 1-4 family construction | $76,657 |
| Other construction, all land development and other land | $100,210 |
| Loans secured by nonfarm nonresidential properties | $438,114 |
| Nonfarm nonresidential secured by owner-occupied properties | $207,276 |
| Commercial real estate & other non-farm, non-residential | $230,838 |
| Multifamily residential real estate | $200,920 |
| 1-4 family residential loans | $216,517 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $1,123,922 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $366,006 |
| Credit card loans | $0 |
| Related Plans | $2,688 |
| Consumer Auto Loans | $28 |
| Other loans to individuals | $363,290 |
| All other loans & leases | $67,293 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $1,154 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $17,339 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $2,163 |
| Non 1-4 family restructured loans & leases | $201 |
| Total loans and leases (foreign) | $0 |
Hinsdale Bank & Trust Company had $2,560,359,000 of loans outstanding in 2020. $1,032,418,000 of loans were in real estate loans. $176,867,000 of loans were in development loans. $200,920,000 of loans were in multifamily mortgage loans. $216,517,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $28,000 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 | 303 | $101,838 | $336,099 |
| Nonfarm, nonresidential loans - <$100k | 17 | $880 | $51,765 |
| Nonfarm, nonresidential loans - $100-250k | 90 | $12,241 | $136,011 |
| Nonfarm, nonresidential loans - $250k-1MM | 196 | $88,717 | $452,638 |
| Commercial & Industrial, US addressed loans - <$1MM | 16,365 | $368,546 | $22,520 |
| Commercial & Industrial, US addressed loans - <$100k | 14,836 | $111,056 | $7,486 |
| Commercial & Industrial, US addressed loans - $100-250k | 942 | $85,024 | $90,259 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 587 | $172,466 | $293,809 |