Crystal Lake Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2024
In 2024, Crystal Lake Bank & Trust Company, N.A. of Crystal Lake, IL reported 56 mortgage applications totaling $42.8 million, down 22% from 2023. The average application was for $763,571, and applicants reported an average income of $259,250. 79% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Chicago-Naperville, IL (49), Peoria, IL (3) 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 | 56 |
| Total Mortgage Loan Application Amount | $42,760,000 |
| Average Mortgage Loan Application Amount | $763,571 |
| Highest Mortgage Loan Application Amount | $9,005,000 |
| Average Applicant Income | $259,250 |
| Highest Applicant Income | $1,308,000 |
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Crystal Lake Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 34 | $ 17,100,000 | $ 502,941 | $ 256,000 |
| Cook, Illinois | 13 | $ 23,115,000 | $ 1,778,076 | $ 75,000 |
| Peoria, Illinois | 3 | $ 375,000 | $ 125,000 | $ 0 |
| Kane, Illinois | 2 | $ 790,000 | $ 395,000 | $ 185,000 |
| DuPage, Illinois | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Will, Illinois | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Marinette, Wisconsin | 1 | $ 395,000 | $ 395,000 | $ 591,000 |
| Walworth, Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 0 |
Mortgage Loan Application Detail Totals for Crystal Lake Bank & Trust Company, N.A. in 2024
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 | 44 | $28,110,000 | $638,000 | $5,705,000 | $274,000 | $1,308,000 |
| Home Improvement | 5 | $1,905,000 | $381,000 | $1,125,000 | $269,000 | $591,000 |
| Refinancing | 5 | $12,565,000 | $2,513,000 | $9,005,000 | $175,000 | $220,000 |
| Other Purpose | 2 | $180,000 | $90,000 | $125,000 | $121,000 | $191,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 30 | $27,570,000 | $919,000 | $9,005,000 | $78,000 | $131,000 |
| White | 23 | $14,505,000 | $630,000 | $2,105,000 | $319,000 | $1,308,000 |
| Not Provided | 1 | $265,000 | $265,000 | $265,000 | $267,000 | $267,000 |
| Asian | 1 | $365,000 | $365,000 | $365,000 | $130,000 | $130,000 |
| Hispanic | 1 | $55,000 | $55,000 | $55,000 | $123,000 | $123,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 56 | $42,760,000 | $763,000 | $9,005,000 | $257,000 | $1,308,000 |
| 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 | 44 | $37,620,000 | $855,000 | $9,005,000 | $289,000 | $1,308,000 |
| Loan Purchased By The Institution | 6 | $1,350,000 | $225,000 | $465,000 | $78,000 | $131,000 |
| Application Withdrawn By Applicant | 3 | $1,175,000 | $391,000 | $465,000 | $405,000 | $591,000 |
| Application Denied By Financial Institution | 2 | $1,490,000 | $745,000 | $1,125,000 | $317,000 | $504,000 |
| File Closed For Incompleteness | 1 | $1,125,000 | $1,125,000 | $1,125,000 | $294,000 | $294,000 |
| 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 | 54 | $41,270,000 | $764,000 | $9,005,000 | $252,000 | $1,308,000 |
| Employment History | 1 | $365,000 | $365,000 | $365,000 | $130,000 | $130,000 |
| Collateral | 1 | $1,125,000 | $1,125,000 | $1,125,000 | $504,000 | $504,000 |
| 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 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Crystal Lake Bank & Trust Company, N.A.'s 2024 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About