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Libertyville Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 46 | $ 27,260,000 | $ 592,608 | $ 307,000 |
| Chicago-Naperville, IL | 24 | $ 32,020,000 | $ 1,334,166 | $ 1,318,000 |
| Outside any metro area | 10 | $ 10,740,000 | $ 1,074,000 | $ 569,600 |
| Los Angeles-Long Beach-Glendale, CA | 8 | $ 8,460,000 | $ 1,057,500 | $ 371,000 |
| Des Moines-West Des Moines, IA | 6 | $ 2,680,000 | $ 446,666 | $ 228,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 6,690,000 | $ 1,672,500 | $ 625,000 |
| Grand Forks, ND-MN | 3 | $ 1,005,000 | $ 335,000 | $ 158,666 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 2,305,000 | $ 768,333 | $ 253,000 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 3,825,000 | $ 1,275,000 | $ 476,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 3,535,000 | $ 1,178,333 | $ 571,000 |
| Champaign-Urbana, IL | 2 | $ 670,000 | $ 335,000 | $ 174,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 660,000 | $ 330,000 | $ 341,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 3,770,000 | $ 1,885,000 | $ 511,000 |
| Niles-Benton Harbor, MI | 2 | $ 1,870,000 | $ 935,000 | $ 734,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 1,430,000 | $ 715,000 | $ 285,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 2,020,000 | $ 1,010,000 | $ 324,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 2,580,000 | $ 1,290,000 | $ 310,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 2,100,000 | $ 1,050,000 | $ 492,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 1,630,000 | $ 815,000 | $ 379,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 2,980,000 | $ 1,490,000 | $ 390,000 |
| Bakersfield, CA | 1 | $ 955,000 | $ 955,000 | $ 568,000 |
| Bozeman, MT | 1 | $ 1,025,000 | $ 1,025,000 | $ 433,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 1,505,000 | $ 1,505,000 | $ 1,318,000 |
| Dallas-Plano-Irving, TX | 1 | $ 1,185,000 | $ 1,185,000 | $ 584,000 |
| Elgin, IL | 1 | $ 405,000 | $ 405,000 | $ 329,000 |
| Flagstaff, AZ | 1 | $ 1,255,000 | $ 1,255,000 | $ 660,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 1,525,000 | $ 1,525,000 | $ 1,010,000 |
| Green Bay, WI | 1 | $ 635,000 | $ 635,000 | $ 469,000 |
| Iowa City, IA | 1 | $ 805,000 | $ 805,000 | $ 511,000 |
| Kenosha, WI | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Madison, WI | 1 | $ 1,205,000 | $ 1,205,000 | $ 736,000 |
| Michigan City-La Porte, IN | 1 | $ 635,000 | $ 635,000 | $ 316,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 4,505,000 | $ 4,505,000 | $ 985,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 855,000 | $ 855,000 | $ 432,000 |
| Ocala, FL | 1 | $ 845,000 | $ 845,000 | $ 273,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 285,000 | $ 285,000 | $ 324,000 |
| Redding, CA | 1 | $ 765,000 | $ 765,000 | $ 250,000 |
| Reno, NV | 1 | $ 1,535,000 | $ 1,535,000 | $ 468,000 |
| Sandusky, OH | 1 | $ 735,000 | $ 735,000 | $ 873,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 905,000 | $ 905,000 | $ 341,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 965,000 | $ 965,000 | $ 432,000 |
| Sheboygan, WI | 1 | $ 425,000 | $ 425,000 | $ 253,000 |
| Stockton-Lodi, CA | 1 | $ 825,000 | $ 825,000 | $ 425,000 |
| Tampa, FL | 1 | $ 525,000 | $ 525,000 | $ 395,000 |
| Tucson, AZ | 1 | $ 6,755,000 | $ 6,755,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 2,005,000 | $ 2,005,000 | $ 556,000 |
| Winston-Salem, NC | 1 | $ 285,000 | $ 285,000 | $ 170,000 |
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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