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 Refi and Home Purchase loans. Hinsdale Bank & Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Chicago, Jackson, Riverside, Macomb, and Edwards among others. We have data for 5 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.

    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

    142

    Origination Dollar Volume (All Markets)

    $117,370,000

    Employee count

    210

    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) 138 $109,670,000 $794,710 $0 0.00%
    Jackson, WY-ID (FHA|USDA|VA) 1 $5,495,000 $5,495,000 $0 0.00%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $1,565,000 $1,565,000 $0 0.00%
    Macomb, IL (FHA|USDA|VA) 1 $565,000 $565,000 $0 0.00%
    Edwards, CO (FHA|USDA|VA) 1 $75,000 $75,000 $0 0.00%
    Hinsdale Bank & Trust Company's top markets include Chicago, Jackson, Riverside, Macomb, and Edwards among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 142 $117,370,000 $826,549 $0 0.00%

    For 2021, Hinsdale Bank & Trust Company's most frequently originated type of loan was Conventional, with 142 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 79 $62,565,000 $791,962 $0 0.00%
    Home Purchase 56 $45,700,000 $816,071 $0 0.00%
    Home Improvement 5 $3,155,000 $631,000 $0 0.00%
    Other 1 $5,495,000 $5,495,000 $0 0.00%
    Cash Out Refi 1 $455,000 $455,000 $0 0.00%

    For 2021, Hinsdale Bank & Trust Company's most frequently cited loan purpose was Refi, with 79 originations. The 2nd most popular reason was Home Purchase, with 56 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 142 $117,370,000 $826,549 $0 0.00%

    For 2021, Hinsdale Bank & Trust Company's most frequently cited loan duration was Other, with 142 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 35 $69,005,000 $1,971,571 $0 0.00%
    $200k-400k 34 $10,250,000 $301,471 $0 0.00%
    $600k-1MM 32 $24,590,000 $768,438 $0 0.00%
    $400k-600k 23 $11,625,000 $505,435 $0 0.00%
    $100k-200k 10 $1,470,000 $147,000 $0 0.00%
    $100,000 or less 8 $430,000 $53,750 $0 0.00%

    2021 saw Hinsdale Bank & Trust Company place emphasis on $1MM+ loans with 35 originations, totaling $69,005,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 23 $37,275,000 $1,620,652 $0 0.00%
    $150k-250k 15 $10,685,000 $712,333 $0 0.00%
    $100k-150k 12 $4,380,000 $365,000 $0 0.00%
    $50k or less 3 $325,000 $108,333 $0 0.00%
    $50k-75k 2 $400,000 $200,000 $0 0.00%
    $75k-100k 1 $215,000 $215,000 $0 0.00%

    Hinsdale Bank & Trust Company lent most frequently to those with incomes in the $250k+ range, with 23 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% 142 $117,370,000 $826,549 $0 0.00%

    Hinsdale Bank & Trust Company lent most frequently to those with DTI ratios of Exempt%, with 142 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 74 $58,040,000 $784,324 $0 0.00%
    White 49 $46,925,000 $957,653 $0 0.00%
    Asian 9 $5,115,000 $568,333 $0 0.00%
    Not provided 7 $5,095,000 $727,857 $0 0.00%
    Asian Indian 2 $1,610,000 $805,000 $0 0.00%
    Black 1 $585,000 $585,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    98.58%

    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
    95.07%

    Hinsdale Bank & Trust Company has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 142 $117,370,000 $826,549

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    142 $117,370,000 $826,549

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    HOMESTEAD FUNDING CORPORATION Conventional home mortgage Struggling to pay mortgage 1 33.3%
    HOMESTEAD FUNDING CORPORATION Conventional home mortgage Trouble during payment process 1 33.3%
    HOMESTEAD FUNDING CORPORATION FHA mortgage Closing on a mortgage 1 33.3%

    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 $228,125
    Hinsdale Bank & Trust Company, National Association 1109-1111 West Madison Street Maywood, IL 60153 Full Service B&M $3,372
    Hinsdale Bank & Trust Company, National Association 1111 Warren Avenue Downers Grove, IL 60515 Full Service B&M $241,920
    Hinsdale Bank & Trust Company, National Association 12400 Archer Avenue Lemont, IL 60439 Full Service B&M $87,515
    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 $177,090
    Hinsdale Bank & Trust Company, National Association 17 East Burlington Street Riverside, IL 60546 Full Service B&M $135,168
    Hinsdale Bank & Trust Company, National Association 1759 North Mannheim Road Stone Park, IL 60165 Full Service B&M $20,749
    Hinsdale Bank & Trust Company, National Association 200 West Burlington Clarendon Hills, IL 60514 Full Service B&M $201,329
    Hinsdale Bank & Trust Company, National Association 25 East First Street Hinsdale, IL 60521 Full Service B&M $1,531,089
    Hinsdale Bank & Trust Company, National Association 400 W Lake Street Elmhurst, IL 60126 Full Service B&M $59,620
    Hinsdale Bank & Trust Company, National Association 6053 West 79th Street Burbank, IL 60459 Full Service B&M $51,408
    Hinsdale Bank & Trust Company, National Association 6262 South Route 83, Suite 200 Willowbrook, IL 60527 Full Service B&M $152,103
    Hinsdale Bank & Trust Company, National Association 6734 Joliet Road Countryside, IL 60525 Full Service B&M $377,177
    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 $51,215

    For 2021, Hinsdale Bank & Trust Company had 16 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $109,929
    Net interest income $98,825
    Total noninterest income $18,855
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $3,990
    Trading account gains and fees $885
    Additional Noninterest Income $13,980
    Pre-tax net operating income $59,993
    Securities gains (or losses, -) $-106
    Income before extraordinary items $43,768
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $43,768
    Minority interest net income $0
    Net income $43,768
    Sale, conversion, retirement of capital stock, net $627
    Net operating income $43,851

    Hinsdale Bank & Trust Company's gross interest income from loans was $109,929,000.
    Hinsdale Bank & Trust Company's net interest income from loans was $98,825,000.
    Hinsdale Bank & Trust Company's fee based income from loans was $3,990,000.
    Hinsdale Bank & Trust Company's net income from loans was $43,768,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $11,104
    Provision for credit losses $-6,227
    Total noninterest expense $63,914
    Salaries and employee benefits $30,299
    Premises and equipment expense $6,528
    Additional noninterest expense $27,087
    Applicable income taxes $16,119
    Net charge-offs $3,622
    Cash dividends $15,000

    Hinsdale Bank & Trust Company's interest expense for loans was $11,104,000.
    Hinsdale Bank & Trust Company's payroll and benefits expense were $30,299,000.
    Hinsdale Bank & Trust Company's property, plant and equipment expenses $6,528,000.

    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 0.0%
    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 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $3,440,858
    Deposits held in domestic offices $3,440,858
    Deposits by Individuals, partnerships, and corporations $3,172,157
    Deposits by U.S. Government $2
    Deposits by States and political subdivisions in the U.S. $265,772
    Deposits by Commercial banks and other depository institutions in U.S. $2,927
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,267,246
    Demand deposits $1,254,582
    Nontransaction accounts $2,173,612
    Money market deposit accounts (MMDAs) $1,396,662
    Other savings deposits (excluding MMDAs) $289,421
    Total time deposits $487,529
    Total time and savings deposits $2,186,276
    Noninterest-bearing deposits $983,662
    Interest-bearing deposits $2,457,196
    Retail deposits $3,003,856
    IRAs and Keogh plan accounts $58,079
    Brokered deposits $323,863
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,108,642
    Cash & Balances due from depository institutions $285,759
    Interest-bearing balances $268,800
    Total securities $693,982
    Federal funds sold & reverse repurchase $4
    Net loans and leases $2,858,587
    Loan and leases loss allowance $21,325
    Trading account assets $7,596
    Bank premises and fixed assets $48,564
    Other real estate owned $2,531
    Goodwill and other intangibles $128,077
    All other assets $83,542

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,108,642
    Total Liabilities $3,640,239
    Total deposits $3,440,858
    Interest-bearing deposits $2,457,196
    Deposits held in domestic offices $3,440,858
    % insured (estimated) $67
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $7,592
    Other borrowed funds $150,000
    Subordinated debt $0
    All other liabilities $41,789

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,858,587
    Loan and leases loss allowance $21,325
    Total loans and leases (domestic) $2,879,912
    All real estate loans $1,068,963
    Real estate loans in domestic offices $1,068,963
    Construction and development loans $145,681
    Residential 1-4 family construction $36,664
    Other construction, all land development and other land $109,017
    Loans secured by nonfarm nonresidential properties $504,780
    Nonfarm nonresidential secured by owner-occupied properties $234,353
    Commercial real estate & other non-farm, non-residential $270,427
    Multifamily residential real estate $195,467
    1-4 family residential loans $223,035
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $1,129,235
    To non-U.S. addressees $0
    Loans to individuals $401,294
    Credit card loans $0
    Related Plans $96
    Consumer Auto Loans $10
    Other loans to individuals $401,188
    All other loans & leases $280,420
    Loans to foreign governments and official institutions $0
    Other loans $222,023
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $15,049
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,389
    Non 1-4 family restructured loans & leases $131
    Total loans and leases (foreign) $0

    Hinsdale Bank & Trust Company had $2,858,587,000 of loans outstanding in 2021. $1,068,963,000 of loans were in real estate loans. $145,681,000 of loans were in development loans. $195,467,000 of loans were in multifamily mortgage loans. $223,035,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $10,000 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 302 $110,603 $366,235
    Nonfarm, nonresidential loans - <$100k 17 $834 $49,059
    Nonfarm, nonresidential loans - $100-250k 76 $9,468 $124,579
    Nonfarm, nonresidential loans - $250k-1MM 209 $100,301 $479,909
    Commercial & Industrial, US addressed loans - <$1MM 18,973 $402,821 $21,231
    Commercial & Industrial, US addressed loans - <$100k 17,377 $135,881 $7,820
    Commercial & Industrial, US addressed loans - $100-250k 950 $80,421 $84,654
    Commercial & Industrial, US addressed loans - $250k-1MM 646 $186,519 $288,729