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records North Shore Trust & Savings filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Will, Illinois | 111 | $ 35,945,000 | $ 323,828 | $ 178,000 |
| Cook, Illinois | 106 | $ 37,430,000 | $ 353,113 | $ 196,000 |
| Lake, Illinois | 46 | $ 11,140,000 | $ 242,173 | $ 151,000 |
| DuPage, Illinois | 33 | $ 12,685,000 | $ 384,393 | $ 188,000 |
| Kendall, Illinois | 24 | $ 8,830,000 | $ 367,916 | $ 191,000 |
| Kane, Illinois | 23 | $ 8,125,000 | $ 353,260 | $ 152,000 |
| McHenry, Illinois | 21 | $ 7,975,000 | $ 379,761 | $ 149,000 |
| Grundy, Illinois | 16 | $ 4,010,000 | $ 250,625 | $ 113,000 |
| Milwaukee, Wisconsin | 8 | $ 1,590,000 | $ 198,750 | $ 71,000 |
| LaSalle, Illinois | 7 | $ 2,105,000 | $ 300,714 | $ 161,000 |
| Kenosha, Wisconsin | 5 | $ 1,415,000 | $ 283,000 | $ 160,000 |
| Racine, Wisconsin | 5 | $ 1,265,000 | $ 253,000 | $ 115,000 |
| Waukesha, Wisconsin | 5 | $ 2,425,000 | $ 485,000 | $ 139,000 |
| Lee, Florida | 4 | $ 1,220,000 | $ 305,000 | $ 179,000 |
| Livingston, Illinois | 4 | $ 520,000 | $ 130,000 | $ 81,000 |
| Winnebago, Illinois | 4 | $ 910,000 | $ 227,500 | $ 143,000 |
| Walworth, Wisconsin | 4 | $ 1,130,000 | $ 282,500 | $ 187,000 |
| Citrus, Florida | 3 | $ 855,000 | $ 285,000 | $ 116,000 |
| Boone, Illinois | 3 | $ 475,000 | $ 158,333 | $ 52,000 |
| Lake, Indiana | 3 | $ 955,000 | $ 318,333 | $ 68,000 |
| LaPorte, Indiana | 3 | $ 1,585,000 | $ 528,333 | $ 133,000 |
| Salt Lake, Utah | 3 | $ 3,135,000 | $ 1,045,000 | $ 244,000 |
| San Bernardino, California | 2 | $ 4,590,000 | $ 2,295,000 | $ 603,000 |
| Alachua, Florida | 2 | $ 660,000 | $ 330,000 | $ 184,000 |
| DeKalb, Illinois | 2 | $ 370,000 | $ 185,000 | $ 70,000 |
| Peoria, Illinois | 2 | $ 740,000 | $ 370,000 | $ 159,000 |
| Clark, Nevada | 2 | $ 1,170,000 | $ 585,000 | $ 184,000 |
| Horry, South Carolina | 2 | $ 460,000 | $ 230,000 | $ 131,000 |
| York, South Carolina | 2 | $ 1,160,000 | $ 580,000 | $ 215,000 |
| Knox, Tennessee | 2 | $ 500,000 | $ 250,000 | $ 259,000 |
| Sevier, Tennessee | 2 | $ 770,000 | $ 385,000 | $ 172,000 |
| Parker, Texas | 2 | $ 1,430,000 | $ 715,000 | $ 421,000 |
| Rock, Wisconsin | 2 | $ 530,000 | $ 265,000 | $ 86,000 |
| Orange, California | 1 | $ 725,000 | $ 725,000 | $ 308,000 |
| San Francisco, California | 1 | $ 1,505,000 | $ 1,505,000 | $ 476,000 |
| Delta, Colorado | 1 | $ 425,000 | $ 425,000 | $ 112,000 |
| Mesa, Colorado | 1 | $ 995,000 | $ 995,000 | $ 453,000 |
| Greater Bridgeport Planning Region, Connecticut | 1 | $ 275,000 | $ 275,000 | $ 636,000 |
| District of Columbia, District Of Columbia | 1 | $ 555,000 | $ 555,000 | $ 504,000 |
| Hernando, Florida | 1 | $ 695,000 | $ 695,000 | $ 355,000 |
| Lake, Florida | 1 | $ 465,000 | $ 465,000 | $ 277,000 |
| Manatee, Florida | 1 | $ 525,000 | $ 525,000 | $ 149,000 |
| Pasco, Florida | 1 | $ 505,000 | $ 505,000 | $ 123,000 |
| Cobb, Georgia | 1 | $ 915,000 | $ 915,000 | $ 216,000 |
| Ada, Idaho | 1 | $ 255,000 | $ 255,000 | $ 110,000 |
| Valley, Idaho | 1 | $ 1,045,000 | $ 1,045,000 | $ 342,000 |
| Jo Daviess, Illinois | 1 | $ 155,000 | $ 155,000 | $ 71,000 |
| Kankakee, Illinois | 1 | $ 625,000 | $ 625,000 | $ 211,000 |
| Ogle, Illinois | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Fulton, Indiana | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Kosciusko, Indiana | 1 | $ 355,000 | $ 355,000 | $ 107,000 |
| Johnson, Iowa | 1 | $ 225,000 | $ 225,000 | $ 248,000 |
| Marshall, Kentucky | 1 | $ 285,000 | $ 285,000 | $ 71,000 |
| St. Tammany, Louisiana | 1 | $ 345,000 | $ 345,000 | $ 100,000 |
| Essex, Massachusetts | 1 | $ 2,125,000 | $ 2,125,000 | $ 383,000 |
| Norfolk, Massachusetts | 1 | $ 1,185,000 | $ 1,185,000 | $ 731,000 |
| Suffolk, Massachusetts | 1 | $ 595,000 | $ 595,000 | $ 169,000 |
| Manistee, Michigan | 1 | $ 285,000 | $ 285,000 | $ 185,000 |
| Van Buren, Michigan | 1 | $ 375,000 | $ 375,000 | $ 306,000 |
| Watonwan, Minnesota | 1 | $ 295,000 | $ 295,000 | $ 150,000 |
| Camden, Missouri | 1 | $ 685,000 | $ 685,000 | $ 1,349,000 |
| Christian, Missouri | 1 | $ 215,000 | $ 215,000 | $ 77,000 |
| Passaic, New Jersey | 1 | $ 1,425,000 | $ 1,425,000 | $ 480,000 |
| Bernalillo, New Mexico | 1 | $ 1,235,000 | $ 1,235,000 | $ 1,075,000 |
| Berkeley, South Carolina | 1 | $ 185,000 | $ 185,000 | $ 50,000 |
| Charleston, South Carolina | 1 | $ 575,000 | $ 575,000 | $ 186,000 |
| Lexington, South Carolina | 1 | $ 225,000 | $ 225,000 | $ 140,000 |
| Denton, Texas | 1 | $ 415,000 | $ 415,000 | $ 200,000 |
| Harris, Texas | 1 | $ 1,055,000 | $ 1,055,000 | $ 852,000 |
| Hidalgo, Texas | 1 | $ 925,000 | $ 925,000 | $ 458,000 |
| Tom Green, Texas | 1 | $ 2,505,000 | $ 2,505,000 | $ 545,000 |
| Kitsap, Washington | 1 | $ 1,995,000 | $ 1,995,000 | $ 530,000 |
| Jefferson, Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 110,000 |
| La Crosse, Wisconsin | 1 | $ 1,055,000 | $ 1,055,000 | $ 427,000 |
| Monroe, Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 142,000 |
| Winnebago, Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 100,000 |
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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About