Crystal Lake Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2025
In 2025, Crystal Lake Bank & Trust Company, N.A. of Crystal Lake, IL reported 108 mortgage applications totaling $138.7 million, up 93% from 2024. The average application was for $1,284,259, and applicants reported an average income of $343,820. 83% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Chicago-Naperville, IL (49), Elgin, IL (6) and Minneapolis-St. Paul-Bloomington, MN-WI (5) (applications in parentheses).
| Mortgage Company & Address | Crystal Lake Bank & Trust Company, N.A. 70 North Williams Street Crystal Lake, IL 60014 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 108 |
| Total Mortgage Loan Application Amount | $138,700,000 |
| Average Mortgage Loan Application Amount | $1,284,259 |
| Highest Mortgage Loan Application Amount | $23,405,000 |
| Average Applicant Income | $343,820 |
| Highest Applicant Income | $2,665,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Crystal Lake Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| McHenry, Illinois | 26 | $ 11,990,000 | $ 461,153 | $ 265,000 |
| Cook, Illinois | 21 | $ 71,685,000 | $ 3,413,571 | $ 532,000 |
| Kane, Illinois | 5 | $ 2,035,000 | $ 407,000 | $ 124,000 |
| Los Angeles, California | 4 | $ 5,820,000 | $ 1,455,000 | $ 515,000 |
| Flathead, Montana | 4 | $ 1,780,000 | $ 445,000 | $ 157,000 |
| Maricopa, Arizona | 3 | $ 3,275,000 | $ 1,091,666 | $ 432,000 |
| San Diego, California | 2 | $ 1,200,000 | $ 600,000 | $ 348,000 |
| Santa Clara, California | 2 | $ 4,050,000 | $ 2,025,000 | $ 414,000 |
| DuPage, Illinois | 2 | $ 2,720,000 | $ 1,360,000 | $ 470,000 |
| Lake, Illinois | 2 | $ 1,880,000 | $ 940,000 | $ 590,000 |
| Peoria, Illinois | 2 | $ 1,010,000 | $ 505,000 | $ 0 |
| Hennepin, Minnesota | 2 | $ 1,120,000 | $ 560,000 | $ 330,000 |
| Washington, Minnesota | 2 | $ 410,000 | $ 205,000 | $ 378,000 |
| Coconino, Arizona | 1 | $ 955,000 | $ 955,000 | $ 660,000 |
| Pima, Arizona | 1 | $ 535,000 | $ 535,000 | $ 400,000 |
| Contra Costa, California | 1 | $ 1,605,000 | $ 1,605,000 | $ 354,000 |
| El Dorado, California | 1 | $ 1,265,000 | $ 1,265,000 | $ 346,000 |
| Nevada, California | 1 | $ 1,065,000 | $ 1,065,000 | $ 409,000 |
| San Bernardino, California | 1 | $ 1,455,000 | $ 1,455,000 | $ 441,000 |
| San Francisco, California | 1 | $ 1,025,000 | $ 1,025,000 | $ 443,000 |
| Alachua, Florida | 1 | $ 1,265,000 | $ 1,265,000 | $ 286,000 |
| Broward, Florida | 1 | $ 1,025,000 | $ 1,025,000 | $ 329,000 |
| Flagler, Florida | 1 | $ 1,325,000 | $ 1,325,000 | $ 622,000 |
| Indian River, Florida | 1 | $ 505,000 | $ 505,000 | $ 819,000 |
| Lake, Florida | 1 | $ 345,000 | $ 345,000 | $ 204,000 |
| Palm Beach, Florida | 1 | $ 855,000 | $ 855,000 | $ 232,000 |
| DeKalb, Illinois | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Lake, Indiana | 1 | $ 7,505,000 | $ 7,505,000 | $ 0 |
| Dallas, Iowa | 1 | $ 145,000 | $ 145,000 | $ 167,000 |
| Marion, Iowa | 1 | $ 585,000 | $ 585,000 | $ 671,000 |
| Mason, Michigan | 1 | $ 955,000 | $ 955,000 | $ 557,000 |
| Cass, Minnesota | 1 | $ 605,000 | $ 605,000 | $ 428,000 |
| Dakota, Minnesota | 1 | $ 345,000 | $ 345,000 | $ 116,000 |
| Jackson, Mississippi | 1 | $ 195,000 | $ 195,000 | $ 116,000 |
| Perquimans, North Carolina | 1 | $ 745,000 | $ 745,000 | $ 293,000 |
| Charleston, South Carolina | 1 | $ 1,025,000 | $ 1,025,000 | $ 496,000 |
| Tarrant, Texas | 1 | $ 1,205,000 | $ 1,205,000 | $ 455,000 |
| Chippewa, Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 59,000 |
| Green, Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 106,000 |
| Pepin, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 51,000 |
| Racine, Wisconsin | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Sheboygan, Wisconsin | 1 | $ 575,000 | $ 575,000 | $ 192,000 |
| Walworth, Wisconsin | 1 | $ 1,135,000 | $ 1,135,000 | $ 534,000 |
| Waushara, Wisconsin | 1 | $ 655,000 | $ 655,000 | $ 438,000 |
Mortgage Loan Application Detail Totals for Crystal Lake Bank & Trust Company, N.A. in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 75 | $91,555,000 | $1,220,000 | $21,755,000 | $345,000 | $1,329,000 |
| Refinancing | 22 | $36,900,000 | $1,677,000 | $23,405,000 | $427,000 | $2,665,000 |
| Other Purpose | 6 | $2,020,000 | $336,000 | $955,000 | $170,000 | $557,000 |
| Cash-out Refinancing | 3 | $495,000 | $165,000 | $235,000 | $52,000 | $67,000 |
| Home Improvement | 2 | $7,730,000 | $3,865,000 | $7,505,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 59 | $42,165,000 | $714,000 | $2,405,000 | $348,000 | $2,665,000 |
| Not applicable | 31 | $78,585,000 | $2,535,000 | $23,405,000 | $63,000 | $97,000 |
| Not Provided | 9 | $7,675,000 | $852,000 | $1,715,000 | $347,000 | $750,000 |
| Asian | 5 | $7,885,000 | $1,577,000 | $2,075,000 | $520,000 | $716,000 |
| Hispanic | 3 | $2,205,000 | $735,000 | $1,205,000 | $325,000 | $475,000 |
| Black or African American | 1 | $185,000 | $185,000 | $185,000 | $106,000 | $106,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 108 | $138,700,000 | $1,284,000 | $23,405,000 | $337,000 | $2,665,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 90 | $129,170,000 | $1,435,000 | $23,405,000 | $361,000 | $2,665,000 |
| Application Withdrawn By Applicant | 11 | $6,485,000 | $589,000 | $1,715,000 | $309,000 | $750,000 |
| Loan Purchased By The Institution | 5 | $905,000 | $181,000 | $255,000 | $63,000 | $97,000 |
| Application Approved But Not Accepted | 2 | $2,140,000 | $1,070,000 | $2,075,000 | $404,000 | $716,000 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 108 | $138,700,000 | $1,284,000 | $23,405,000 | $337,000 | $2,665,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Crystal Lake Bank & Trust Company, N.A.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Crystal Lake Bank & Trust Company, N.A.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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