Libertyville Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2025
In 2025, Libertyville Bank & Trust Company, N.A. of Libertyville, IL reported 157 mortgage applications totaling $152.2 million, up 34% from 2024. The average application was for $969,522, and applicants reported an average income of $425,808. 77% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Lake County-Kenosha County, IL-WI (46), Chicago-Naperville, IL (24) and Los Angeles-Long Beach-Glendale, CA (8) (applications in parentheses).
| Mortgage Company & Address | Libertyville Bank & Trust Company, N.A. 507 North Milwaukee Avenue Libertyville, IL 60048 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 157 |
| Total Mortgage Loan Application Amount | $152,215,000 |
| Average Mortgage Loan Application Amount | $969,522 |
| Highest Mortgage Loan Application Amount | $7,505,000 |
| Average Applicant Income | $425,808 |
| Highest Applicant Income | $3,297,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Libertyville Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lake, Illinois | 46 | $ 27,260,000 | $ 592,608 | $ 307,000 |
| Cook, Illinois | 22 | $ 27,690,000 | $ 1,258,636 | $ 509,000 |
| Los Angeles, California | 8 | $ 8,460,000 | $ 1,057,500 | $ 371,000 |
| Orange, California | 4 | $ 6,690,000 | $ 1,672,500 | $ 625,000 |
| Polk, Iowa | 4 | $ 1,290,000 | $ 322,500 | $ 212,000 |
| Flathead, Montana | 4 | $ 5,310,000 | $ 1,327,500 | $ 671,000 |
| Hennepin, Minnesota | 3 | $ 2,305,000 | $ 768,333 | $ 253,000 |
| Maricopa, Arizona | 2 | $ 2,580,000 | $ 1,290,000 | $ 310,000 |
| Contra Costa, California | 2 | $ 2,660,000 | $ 1,330,000 | $ 538,000 |
| San Mateo, California | 2 | $ 2,660,000 | $ 1,330,000 | $ 707,000 |
| Santa Clara, California | 2 | $ 2,980,000 | $ 1,490,000 | $ 390,000 |
| Ventura, California | 2 | $ 2,020,000 | $ 1,010,000 | $ 324,000 |
| Orange, Florida | 2 | $ 1,430,000 | $ 715,000 | $ 285,000 |
| Champaign, Illinois | 2 | $ 670,000 | $ 335,000 | $ 174,000 |
| Berrien, Michigan | 2 | $ 1,870,000 | $ 935,000 | $ 734,000 |
| Clark, Nevada | 2 | $ 3,770,000 | $ 1,885,000 | $ 511,000 |
| Grand Forks, North Dakota | 2 | $ 800,000 | $ 400,000 | $ 151,000 |
| Coconino, Arizona | 1 | $ 1,255,000 | $ 1,255,000 | $ 660,000 |
| Pima, Arizona | 1 | $ 6,755,000 | $ 6,755,000 | $ 0 |
| Alameda, California | 1 | $ 1,165,000 | $ 1,165,000 | $ 353,000 |
| Calaveras, California | 1 | $ 825,000 | $ 825,000 | $ 288,000 |
| Kern, California | 1 | $ 955,000 | $ 955,000 | $ 568,000 |
| Placer, California | 1 | $ 1,095,000 | $ 1,095,000 | $ 320,000 |
| Riverside, California | 1 | $ 925,000 | $ 925,000 | $ 502,000 |
| Sacramento, California | 1 | $ 535,000 | $ 535,000 | $ 438,000 |
| San Bernardino, California | 1 | $ 1,175,000 | $ 1,175,000 | $ 483,000 |
| San Francisco, California | 1 | $ 875,000 | $ 875,000 | $ 300,000 |
| San Joaquin, California | 1 | $ 825,000 | $ 825,000 | $ 425,000 |
| Santa Barbara, California | 1 | $ 905,000 | $ 905,000 | $ 341,000 |
| Shasta, California | 1 | $ 765,000 | $ 765,000 | $ 250,000 |
| Broward, Florida | 1 | $ 1,525,000 | $ 1,525,000 | $ 1,010,000 |
| Hillsborough, Florida | 1 | $ 525,000 | $ 525,000 | $ 395,000 |
| Lee, Florida | 1 | $ 1,505,000 | $ 1,505,000 | $ 1,318,000 |
| Marion, Florida | 1 | $ 845,000 | $ 845,000 | $ 273,000 |
| Palm Beach, Florida | 1 | $ 2,005,000 | $ 2,005,000 | $ 556,000 |
| Santa Rosa, Florida | 1 | $ 285,000 | $ 285,000 | $ 324,000 |
| Sarasota, Florida | 1 | $ 855,000 | $ 855,000 | $ 432,000 |
| DuPage, Illinois | 1 | $ 3,565,000 | $ 3,565,000 | $ 3,212,000 |
| Kendall, Illinois | 1 | $ 405,000 | $ 405,000 | $ 329,000 |
| McHenry, Illinois | 1 | $ 765,000 | $ 765,000 | $ 234,000 |
| LaPorte, Indiana | 1 | $ 635,000 | $ 635,000 | $ 316,000 |
| Cherokee, Iowa | 1 | $ 135,000 | $ 135,000 | $ 95,000 |
| Dallas, Iowa | 1 | $ 745,000 | $ 745,000 | $ 295,000 |
| Johnson, Iowa | 1 | $ 805,000 | $ 805,000 | $ 511,000 |
| Madison, Iowa | 1 | $ 645,000 | $ 645,000 | $ 228,000 |
| Kent, Michigan | 1 | $ 405,000 | $ 405,000 | $ 585,000 |
| Montcalm, Michigan | 1 | $ 255,000 | $ 255,000 | $ 97,000 |
| Polk, Minnesota | 1 | $ 205,000 | $ 205,000 | $ 174,000 |
| Gallatin, Montana | 1 | $ 1,025,000 | $ 1,025,000 | $ 433,000 |
| Washoe, Nevada | 1 | $ 1,535,000 | $ 1,535,000 | $ 468,000 |
| Forsyth, North Carolina | 1 | $ 285,000 | $ 285,000 | $ 170,000 |
| Ottawa, Ohio | 1 | $ 735,000 | $ 735,000 | $ 873,000 |
| Davidson, Tennessee | 1 | $ 4,505,000 | $ 4,505,000 | $ 985,000 |
| Collin, Texas | 1 | $ 1,185,000 | $ 1,185,000 | $ 584,000 |
| King, Washington | 1 | $ 965,000 | $ 965,000 | $ 432,000 |
| Brown, Wisconsin | 1 | $ 635,000 | $ 635,000 | $ 469,000 |
| Dane, Wisconsin | 1 | $ 1,205,000 | $ 1,205,000 | $ 736,000 |
| Dunn, Wisconsin | 1 | $ 415,000 | $ 415,000 | $ 128,000 |
| Green Lake, Wisconsin | 1 | $ 1,505,000 | $ 1,505,000 | $ 1,861,000 |
| Juneau, Wisconsin | 1 | $ 295,000 | $ 295,000 | $ 123,000 |
| Kenosha, Wisconsin | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Sheboygan, Wisconsin | 1 | $ 425,000 | $ 425,000 | $ 253,000 |
| Teton, Wyoming | 1 | $ 2,255,000 | $ 2,255,000 | $ 517,000 |
Mortgage Loan Application Detail Totals for Libertyville 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 | 98 | $97,670,000 | $996,000 | $7,505,000 | $440,000 | $3,297,000 |
| Refinancing | 47 | $48,385,000 | $1,029,000 | $6,755,000 | $396,000 | $1,107,000 |
| Other Purpose | 5 | $2,605,000 | $521,000 | $1,505,000 | $481,000 | $1,318,000 |
| Cash-out Refinancing | 5 | $3,085,000 | $617,000 | $1,065,000 | $309,000 | $702,000 |
| Home Improvement | 2 | $470,000 | $235,000 | $405,000 | $585,000 | $585,000 |
| 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 | 83 | $74,595,000 | $898,000 | $4,505,000 | $429,000 | $3,297,000 |
| Not applicable | 42 | $42,180,000 | $1,004,000 | $7,505,000 | $73,000 | $112,000 |
| Asian | 13 | $16,015,000 | $1,231,000 | $2,885,000 | $459,000 | $1,636,000 |
| Not Provided | 9 | $13,635,000 | $1,515,000 | $3,565,000 | $831,000 | $3,212,000 |
| Hispanic | 8 | $5,130,000 | $641,000 | $1,255,000 | $309,000 | $660,000 |
| Black or African American | 2 | $660,000 | $330,000 | $375,000 | $139,000 | $170,000 |
| 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) | 157 | $152,215,000 | $969,000 | $7,505,000 | $429,000 | $3,297,000 |
| 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 | 121 | $121,985,000 | $1,008,000 | $7,505,000 | $436,000 | $3,212,000 |
| Application Withdrawn By Applicant | 21 | $21,695,000 | $1,033,000 | $3,325,000 | $548,000 | $3,297,000 |
| Loan Purchased By The Institution | 7 | $1,285,000 | $183,000 | $255,000 | $73,000 | $112,000 |
| Application Denied By Financial Institution | 5 | $4,915,000 | $983,000 | $1,665,000 | $246,000 | $380,000 |
| File Closed For Incompleteness | 2 | $1,610,000 | $805,000 | $1,455,000 | $619,000 | $1,107,000 |
| Application Approved But Not Accepted | 1 | $725,000 | $725,000 | $725,000 | $284,000 | $284,000 |
| 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 | 152 | $147,300,000 | $969,000 | $7,505,000 | $436,000 | $3,297,000 |
| Collateral | 2 | $1,040,000 | $520,000 | $605,000 | $256,000 | $308,000 |
| Debt-To-Income Ratio | 2 | $2,240,000 | $1,120,000 | $1,665,000 | $171,000 | $243,000 |
| Employment History | 1 | $1,635,000 | $1,635,000 | $1,635,000 | $380,000 | $380,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 Libertyville 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 Libertyville 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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