North Shore Trust & Savings Mortgage Lending & HMDA Data, 2025
In 2025, North Shore Trust & Savings of Waukegan, IL reported 506 mortgage applications totaling $187.3 million, up 12% from 2024. The average application was for $370,118, and applicants reported an average income of $184,407. 58% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Chicago-Naperville, IL (287), Elgin, IL (49) and Lake County-Kenosha County, IL-WI (46) (applications in parentheses).
| Mortgage Company & Address | North Shore Trust & Savings 3060 Sand Lake Road Waukegan, IL 60085 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 506 |
| Total Mortgage Loan Application Amount | $187,280,000 |
| Average Mortgage Loan Application Amount | $370,118 |
| Highest Mortgage Loan Application Amount | $2,505,000 |
| Average Applicant Income | $184,407 |
| Highest Applicant Income | $2,400,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records North Shore Trust & Savings filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for North Shore Trust & Savings 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 | 312 | $120,160,000 | $385,000 | $2,505,000 | $186,000 | $2,400,000 |
| Refinancing | 102 | $37,150,000 | $364,000 | $1,995,000 | $191,000 | $1,828,000 |
| Cash-out Refinancing | 68 | $25,430,000 | $373,000 | $1,755,000 | $191,000 | $937,000 |
| Home Improvement | 12 | $2,710,000 | $225,000 | $455,000 | $104,000 | $232,000 |
| Other Purpose | 12 | $1,830,000 | $152,000 | $225,000 | $130,000 | $605,000 |
| 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 | 344 | $124,280,000 | $361,000 | $2,505,000 | $176,000 | $1,828,000 |
| Hispanic | 76 | $22,930,000 | $301,000 | $1,235,000 | $154,000 | $2,400,000 |
| Not Provided | 51 | $26,575,000 | $521,000 | $2,295,000 | $216,000 | $852,000 |
| Asian | 17 | $7,765,000 | $456,000 | $1,215,000 | $419,000 | $2,400,000 |
| Black or African American | 17 | $5,665,000 | $333,000 | $735,000 | $165,000 | $415,000 |
| Not applicable | 1 | $65,000 | $65,000 | $65,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 450 | $171,050,000 | $380,000 | $2,505,000 | $193,000 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 51 | $14,035,000 | $275,000 | $475,000 | $107,000 | $294,000 |
| VA-guaranteed (Veterans Administration) | 5 | $2,195,000 | $439,000 | $615,000 | $193,000 | $248,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 294 | $95,870,000 | $326,000 | $1,755,000 | $167,000 | $1,828,000 |
| Application Withdrawn By Applicant | 128 | $58,830,000 | $459,000 | $2,295,000 | $231,000 | $2,400,000 |
| Application Denied By Financial Institution | 34 | $10,610,000 | $312,000 | $995,000 | $126,000 | $457,000 |
| File Closed For Incompleteness | 30 | $15,120,000 | $504,000 | $2,505,000 | $252,000 | $937,000 |
| Application Approved But Not Accepted | 20 | $6,850,000 | $342,000 | $1,305,000 | $142,000 | $378,000 |
| Loan Purchased By The Institution | 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 | 472 | $176,670,000 | $374,000 | $2,505,000 | $189,000 | $2,400,000 |
| Credit History | 11 | $3,525,000 | $320,000 | $995,000 | $123,000 | $276,000 |
| Debt-To-Income Ratio | 10 | $3,100,000 | $310,000 | $655,000 | $86,000 | $247,000 |
| Other | 8 | $2,590,000 | $323,000 | $615,000 | $180,000 | $457,000 |
| Unverifiable Information | 2 | $670,000 | $335,000 | $475,000 | $182,000 | $236,000 |
| Collateral | 1 | $125,000 | $125,000 | $125,000 | $48,000 | $48,000 |
| Employment History | 1 | $265,000 | $265,000 | $265,000 | $76,000 | $76,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $335,000 | $335,000 | $335,000 | $135,000 | $135,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into North Shore Trust & Savings'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 North Shore Trust & Savings'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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with aggregated HMDA statistics today.
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