Hinsdale Bank & Trust Company Mortgage Rates, Fees & Info

Hinsdale, IL

LEI: 9LIMABRJ9VPV74PBJB17

Tax ID: 36-3909363

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 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, Michigan City, Naples, Jackson, and Niles among others. We have data for 8 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

193

Origination Dollar Volume (All Markets)

$191,555,000

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)	185	$159,325,000	$861,216	$0	0.00%
MICHIGAN CITY-LA PORTE, IN (FHA\|USDA\|VA)	1	$11,005,000	$11,005,000	$0	0.00%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	1	$8,375,000	$8,375,000	$0	0.00%
Jackson, WY-ID (FHA\|USDA\|VA)	1	$5,425,000	$5,425,000	$0	0.00%
NILES, MI (FHA\|USDA\|VA)	2	$3,450,000	$1,725,000	$0	0.00%
Heber, UT (FHA\|USDA\|VA)	1	$3,005,000	$3,005,000	$0	0.00%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	1	$865,000	$865,000	$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, Michigan City, Naples, Jackson, and Niles among others.

Their top states include:

Illinois (FHA|USDA|VA)

Indiana (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Wyoming (FHA|USDA|VA)

Michigan (FHA|USDA|VA)

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	193	$191,555,000	$992,513	$0	0.00%

For 2022, Hinsdale Bank & Trust Company's most frequently originated type of loan was Conventional, with 193 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	81	$74,185,000	$915,864	$0	0.00%
Refi	78	$96,630,000	$1,238,846	$0	0.00%
Cash Out Refi	18	$10,400,000	$577,778	$0	0.00%
Home Improvement	9	$7,165,000	$796,111	$0	0.00%
Other	7	$3,175,000	$453,571	$0	0.00%

For 2022, Hinsdale Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 81 originations. The 2nd most popular reason was Refi, with 78 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
Other	193	$191,555,000	$992,513	$0	0.00%

For 2022, Hinsdale Bank & Trust Company's most frequently cited loan duration was Other, with 193 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$600k-1MM	57	$44,025,000	$772,368	$0	0.00%
$200k-400k	49	$14,875,000	$303,571	$0	0.00%
$1MM+	37	$113,455,000	$3,066,351	$0	0.00%
$400k-600k	34	$16,920,000	$497,647	$0	0.00%
$100k-200k	12	$1,950,000	$162,500	$0	0.00%
$100,000 or less	4	$330,000	$82,500	$0	0.00%

2022 saw Hinsdale Bank & Trust Company place emphasis on $600k-1MM loans with 57 originations, totaling $44,025,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$250k+	54	$71,850,000	$1,330,556	$0	0.00%
$150k-250k	36	$22,210,000	$616,944	$0	0.00%
$100k-150k	20	$7,900,000	$395,000	$0	0.00%
$75k-100k	12	$3,230,000	$269,167	$0	0.00%
$50k-75k	6	$1,500,000	$250,000	$0	0.00%
$50k or less	5	$1,395,000	$279,000	$0	0.00%

Hinsdale Bank & Trust Company lent most frequently to those with incomes in the $250k+ range, with 54 originations. The second most popular income band? $150k-250k, with 36 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
Exempt%	193	$191,555,000	$992,513	$0	0.00%

Hinsdale Bank & Trust Company lent most frequently to those with DTI ratios of Exempt%, with 193 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	126	$102,500,000	$813,492	$0	0.00%
Not applicable	45	$75,375,000	$1,675,000	$0	0.00%
Not provided	11	$7,545,000	$685,909	$0	0.00%
Asian	7	$4,915,000	$702,143	$0	0.00%
Black	3	$935,000	$311,667	$0	0.00%
American Indian	1	$285,000	$285,000	$0	0.00%

Approval Rates

Total approvals of all applications
97.65%

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
82.38%

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

Points and Fees

Points	Originations	Total Value	Average Loan
Exempt	193	$191,555,000	$992,513

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	193	$191,555,000	$992,513