Crystal Lake Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2022
In 2022, Crystal Lake Bank & Trust Company, N.A. of Crystal Lake, IL reported 79 mortgage applications totaling $52.8 million. The average application was for $668,417, and applicants reported an average income of $197,392. 82% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Chicago-Naperville, IL (68), Lake County-Kenosha County, IL-WI (5) and Elgin, IL (2) (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 | 79 |
| Total Mortgage Loan Application Amount | $52,805,000 |
| Average Mortgage Loan Application Amount | $668,417 |
| Highest Mortgage Loan Application Amount | $14,255,000 |
| Average Applicant Income | $197,392 |
| Highest Applicant Income | $1,560,000 |
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Crystal Lake Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 51 | $ 16,605,000 | $ 325,588 | $ 204,000 |
| Cook, Illinois | 16 | $ 27,440,000 | $ 1,715,000 | $ 0 |
| Lake, Illinois | 5 | $ 1,505,000 | $ 301,000 | $ 0 |
| Kane, Illinois | 2 | $ 610,000 | $ 305,000 | $ 94,000 |
| Routt, Colorado | 1 | $ 185,000 | $ 185,000 | $ 0 |
| DuPage, Illinois | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Dane, Wisconsin | 1 | $ 5,745,000 | $ 5,745,000 | $ 0 |
| Milwaukee, Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Racine, Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 0 |
Mortgage Loan Application Detail Totals for Crystal Lake Bank & Trust Company, N.A. in 2022
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 | 47 | $26,965,000 | $573,000 | $5,745,000 | $222,000 | $1,560,000 |
| Refinancing | 24 | $23,730,000 | $988,000 | $14,255,000 | $167,000 | $301,000 |
| Cash-out Refinancing | 6 | $1,330,000 | $221,000 | $605,000 | $139,000 | $361,000 |
| Home Improvement | 1 | $355,000 | $355,000 | $355,000 | $157,000 | $157,000 |
| Other Purpose | 1 | $425,000 | $425,000 | $425,000 | $161,000 | $161,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 38 | $37,440,000 | $985,000 | $14,255,000 | $47,000 | $69,000 |
| White | 33 | $12,195,000 | $369,000 | $1,495,000 | $217,000 | $1,560,000 |
| Black or African American | 3 | $1,295,000 | $431,000 | $945,000 | $153,000 | $301,000 |
| Hispanic | 2 | $840,000 | $420,000 | $505,000 | $184,000 | $279,000 |
| Asian | 2 | $1,000,000 | $500,000 | $805,000 | $361,000 | $361,000 |
| Not Provided | 1 | $35,000 | $35,000 | $35,000 | $185,000 | $185,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 79 | $52,805,000 | $668,000 | $14,255,000 | $198,000 | $1,560,000 |
| 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 | 65 | $47,705,000 | $733,000 | $14,255,000 | $240,000 | $1,560,000 |
| Application Withdrawn By Applicant | 8 | $4,210,000 | $526,000 | $1,495,000 | $185,000 | $416,000 |
| Loan Purchased By The Institution | 3 | $355,000 | $118,000 | $185,000 | $47,000 | $69,000 |
| File Closed For Incompleteness | 2 | $190,000 | $95,000 | $105,000 | $65,000 | $74,000 |
| Application Denied By Financial Institution | 1 | $345,000 | $345,000 | $345,000 | $119,000 | $119,000 |
| Application Approved But Not Accepted | 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 | 78 | $52,460,000 | $672,000 | $14,255,000 | $201,000 | $1,560,000 |
| Other | 1 | $345,000 | $345,000 | $345,000 | $119,000 | $119,000 |
| 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 2022 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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