Lake Forest Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2025
In 2025, Lake Forest Bank & Trust Company, N.A. of Lake Forest, IL reported 193 mortgage applications totaling $195.5 million, up 29% from 2024. The average application was for $1,012,720, and applicants reported an average income of $509,352. 80% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Lake County-Kenosha County, IL-WI (58), Chicago-Naperville, IL (36) and Naples-Immokalee-Marco Island, FL (21) (applications in parentheses).
| Mortgage Company & Address | Lake Forest Bank & Trust Company, N.A. 727 North Bank Lane Lake Forest, IL 60045 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 193 |
| Total Mortgage Loan Application Amount | $195,455,000 |
| Average Mortgage Loan Application Amount | $1,012,720 |
| Highest Mortgage Loan Application Amount | $5,525,000 |
| Average Applicant Income | $509,352 |
| Highest Applicant Income | $3,388,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Lake Forest Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lake County-Kenosha County, IL-WI | 58 | $ 43,380,000 | $ 747,931 | $ 443,000 |
| Chicago-Naperville, IL | 36 | $ 36,860,000 | $ 1,023,888 | $ 415,000 |
| Naples-Immokalee-Marco Island, FL | 21 | $ 21,305,000 | $ 1,014,523 | $ 810,000 |
| Outside any metro area | 9 | $ 11,895,000 | $ 1,321,666 | $ 454,444 |
| Los Angeles-Long Beach-Glendale, CA | 7 | $ 11,175,000 | $ 1,596,428 | $ 518,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 5,625,000 | $ 803,571 | $ 377,000 |
| Anaheim-Santa Ana-Irvine, CA | 6 | $ 9,440,000 | $ 1,573,333 | $ 546,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 4,930,000 | $ 821,666 | $ 300,000 |
| Oakland-Hayward-Berkeley, CA | 5 | $ 8,295,000 | $ 1,659,000 | $ 491,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 5,485,000 | $ 1,097,000 | $ 524,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 4,970,000 | $ 1,242,500 | $ 318,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 3,825,000 | $ 1,275,000 | $ 394,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 3,315,000 | $ 1,105,000 | $ 693,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 3,020,000 | $ 1,510,000 | $ 569,000 |
| Tampa, FL | 2 | $ 3,020,000 | $ 1,510,000 | $ 937,000 |
| Ann Arbor, MI | 1 | $ 415,000 | $ 415,000 | $ 149,000 |
| Barnstable Town, MA | 1 | $ 2,505,000 | $ 2,505,000 | $ 1,200,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 1,465,000 | $ 1,465,000 | $ 434,000 |
| Colorado Springs, CO | 1 | $ 1,945,000 | $ 1,945,000 | $ 877,000 |
| Des Moines-West Des Moines, IA | 1 | $ 245,000 | $ 245,000 | $ 90,000 |
| Elgin, IL | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Missoula, MT | 1 | $ 545,000 | $ 545,000 | $ 171,000 |
| Niles-Benton Harbor, MI | 1 | $ 445,000 | $ 445,000 | $ 252,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 1,505,000 | $ 1,505,000 | $ 881,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 945,000 | $ 945,000 | $ 329,000 |
| Port St. Lucie, FL | 1 | $ 865,000 | $ 865,000 | $ 1,128,000 |
| Raleigh, NC | 1 | $ 1,595,000 | $ 1,595,000 | $ 368,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 915,000 | $ 915,000 | $ 282,000 |
| San Diego-Carlsbad, CA | 1 | $ 365,000 | $ 365,000 | $ 96,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 995,000 | $ 995,000 | $ 397,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 1,505,000 | $ 1,505,000 | $ 2,093,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 1,435,000 | $ 1,435,000 | $ 696,000 |
| Sebastian-Vero Beach, FL | 1 | $ 545,000 | $ 545,000 | $ 547,000 |
| Washington, DC-MD | 1 | $ 155,000 | $ 155,000 | $ 226,000 |
Mortgage Loan Application Detail Totals for Lake Forest 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 | 108 | $114,200,000 | $1,057,000 | $2,865,000 | $572,000 | $3,388,000 |
| Refinancing | 66 | $71,120,000 | $1,077,000 | $5,525,000 | $474,000 | $1,273,000 |
| Cash-out Refinancing | 9 | $4,615,000 | $512,000 | $965,000 | $251,000 | $459,000 |
| Other Purpose | 7 | $3,795,000 | $542,000 | $1,405,000 | $307,000 | $690,000 |
| Home Improvement | 3 | $1,725,000 | $575,000 | $815,000 | $279,000 | $345,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 96 | $104,670,000 | $1,090,000 | $3,605,000 | $594,000 | $3,388,000 |
| Not applicable | 55 | $38,665,000 | $703,000 | $5,525,000 | $76,000 | $114,000 |
| Asian | 19 | $26,765,000 | $1,408,000 | $2,165,000 | $426,000 | $816,000 |
| Not Provided | 18 | $22,510,000 | $1,250,000 | $2,505,000 | $652,000 | $2,093,000 |
| Hispanic | 3 | $955,000 | $318,000 | $495,000 | $247,000 | $436,000 |
| Black or African American | 2 | $1,890,000 | $945,000 | $1,735,000 | $307,000 | $389,000 |
| 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) | 193 | $195,455,000 | $1,012,000 | $5,525,000 | $514,000 | $3,388,000 |
| 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 | 155 | $175,255,000 | $1,130,000 | $5,525,000 | $603,000 | $3,388,000 |
| Loan Purchased By The Institution | 17 | $3,265,000 | $192,000 | $405,000 | $76,000 | $114,000 |
| Application Withdrawn By Applicant | 17 | $14,145,000 | $832,000 | $2,095,000 | $363,000 | $1,072,000 |
| Application Denied By Financial Institution | 4 | $2,790,000 | $697,000 | $1,375,000 | $460,000 | $1,377,000 |
| Application Approved But Not Accepted | 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 | 189 | $192,665,000 | $1,019,000 | $5,525,000 | $516,000 | $3,388,000 |
| Collateral | 4 | $2,790,000 | $697,000 | $1,375,000 | $460,000 | $1,377,000 |
| 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 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lake Forest 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 Lake Forest 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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