Crystal Lake Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2023
In 2023, Crystal Lake Bank & Trust Company, N.A. of Crystal Lake, IL reported 72 mortgage applications totaling $39.2 million, down 9% from 2022. The average application was for $544,583, and applicants reported an average income of $344,185. 81% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Chicago-Naperville, IL (58), Elgin, IL (2) and Lake County-Kenosha County, IL-WI (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 | 72 |
| Total Mortgage Loan Application Amount | $39,210,000 |
| Average Mortgage Loan Application Amount | $544,583 |
| Highest Mortgage Loan Application Amount | $3,825,000 |
| Average Applicant Income | $344,185 |
| Highest Applicant Income | $3,639,000 |
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Crystal Lake Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville, IL | 58 | $ 29,320,000 | $ 505,517 | $ 243,000 |
| Elgin, IL | 2 | $ 650,000 | $ 325,000 | $ 127,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 890,000 | $ 445,000 | $ 167,000 |
| Madison, WI | 2 | $ 3,310,000 | $ 1,655,000 | $ 0 |
| Outside any metro area | 2 | $ 1,660,000 | $ 830,000 | $ 2,065,000 |
| Michigan City-La Porte, IN | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 405,000 | $ 405,000 | $ 325,000 |
| Niles-Benton Harbor, MI | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 1,155,000 | $ 1,155,000 | $ 313,000 |
| Rockford, IL | 1 | $ 455,000 | $ 455,000 | $ 0 |
Mortgage Loan Application Detail Totals for Crystal Lake Bank & Trust Company, N.A. in 2023
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 | 50 | $26,710,000 | $534,000 | $3,055,000 | $294,000 | $3,639,000 |
| Refinancing | 14 | $10,920,000 | $780,000 | $3,825,000 | $623,000 | $3,639,000 |
| Other Purpose | 5 | $325,000 | $65,000 | $95,000 | $127,000 | $199,000 |
| Home Improvement | 2 | $1,180,000 | $590,000 | $875,000 | $0 | $0 |
| Cash-out Refinancing | 1 | $75,000 | $75,000 | $75,000 | $36,000 | $36,000 |
| 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 | 44 | $24,880,000 | $565,000 | $3,825,000 | $54,000 | $84,000 |
| White | 24 | $12,150,000 | $506,000 | $2,045,000 | $484,000 | $3,639,000 |
| Asian | 2 | $1,310,000 | $655,000 | $945,000 | $234,000 | $339,000 |
| Hispanic | 1 | $495,000 | $495,000 | $495,000 | $127,000 | $127,000 |
| Not Provided | 1 | $375,000 | $375,000 | $375,000 | $180,000 | $180,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 72 | $39,210,000 | $544,000 | $3,825,000 | $333,000 | $3,639,000 |
| 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 | 58 | $36,410,000 | $627,000 | $3,825,000 | $472,000 | $3,639,000 |
| Loan Purchased By The Institution | 11 | $1,445,000 | $131,000 | $245,000 | $54,000 | $84,000 |
| Application Approved But Not Accepted | 1 | $375,000 | $375,000 | $375,000 | $180,000 | $180,000 |
| Application Denied By Financial Institution | 1 | $945,000 | $945,000 | $945,000 | $339,000 | $339,000 |
| Application Withdrawn By Applicant | 1 | $35,000 | $35,000 | $35,000 | $76,000 | $76,000 |
| 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 | 71 | $38,265,000 | $538,000 | $3,825,000 | $333,000 | $3,639,000 |
| Other | 1 | $945,000 | $945,000 | $945,000 | $339,000 | $339,000 |
| 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 2023 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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