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records North Shore Trust & Savings filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville, IL | 287 | $ 98,045,000 | $ 341,620 | $ 180,000 |
| Elgin, IL | 49 | $ 17,325,000 | $ 353,571 | $ 170,000 |
| Lake County-Kenosha County, IL-WI | 46 | $ 11,140,000 | $ 242,173 | $ 151,000 |
| Outside any metro area | 30 | $ 9,190,000 | $ 306,333 | $ 185,233 |
| Milwaukee-Waukesha-West Allis, WI | 13 | $ 4,015,000 | $ 308,846 | $ 97,000 |
| Rockford, IL | 7 | $ 1,385,000 | $ 197,857 | $ 104,000 |
| Kenosha, WI | 5 | $ 1,415,000 | $ 283,000 | $ 160,000 |
| Racine, WI | 5 | $ 1,265,000 | $ 253,000 | $ 115,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,220,000 | $ 305,000 | $ 179,000 |
| Homosassa Springs, FL | 3 | $ 855,000 | $ 285,000 | $ 116,000 |
| Lake County-Porter County-Jasper County, IN | 3 | $ 955,000 | $ 318,333 | $ 68,000 |
| Michigan City-La Porte, IN | 3 | $ 1,585,000 | $ 528,333 | $ 133,000 |
| Salt Lake City, UT | 3 | $ 3,135,000 | $ 1,045,000 | $ 244,000 |
| Boston, MA | 2 | $ 1,780,000 | $ 890,000 | $ 450,000 |
| Charleston-North Charleston, SC | 2 | $ 760,000 | $ 380,000 | $ 118,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 1,160,000 | $ 580,000 | $ 215,000 |
| Fort Worth-Arlington, TX | 2 | $ 1,430,000 | $ 715,000 | $ 421,000 |
| Gainesville, FL | 2 | $ 660,000 | $ 330,000 | $ 184,000 |
| Janesville-Beloit, WI | 2 | $ 530,000 | $ 265,000 | $ 86,000 |
| Knoxville, TN | 2 | $ 500,000 | $ 250,000 | $ 259,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 1,170,000 | $ 585,000 | $ 184,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 460,000 | $ 230,000 | $ 131,000 |
| Peoria, IL | 2 | $ 740,000 | $ 370,000 | $ 159,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 4,590,000 | $ 2,295,000 | $ 603,000 |
| Tampa, FL | 2 | $ 1,200,000 | $ 600,000 | $ 239,000 |
| Albuquerque, NM | 1 | $ 1,235,000 | $ 1,235,000 | $ 1,075,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 725,000 | $ 725,000 | $ 308,000 |
| Boise City, ID | 1 | $ 255,000 | $ 255,000 | $ 110,000 |
| Bremerton-Silverdale, WA | 1 | $ 1,995,000 | $ 1,995,000 | $ 530,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 275,000 | $ 275,000 | $ 636,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 2,125,000 | $ 2,125,000 | $ 383,000 |
| Columbia, SC | 1 | $ 225,000 | $ 225,000 | $ 140,000 |
| Dallas-Plano-Irving, TX | 1 | $ 415,000 | $ 415,000 | $ 200,000 |
| Grand Junction, CO | 1 | $ 995,000 | $ 995,000 | $ 453,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 1,055,000 | $ 1,055,000 | $ 852,000 |
| Iowa City, IA | 1 | $ 225,000 | $ 225,000 | $ 248,000 |
| Kankakee, IL | 1 | $ 625,000 | $ 625,000 | $ 211,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 1,055,000 | $ 1,055,000 | $ 427,000 |
| Marietta, GA | 1 | $ 915,000 | $ 915,000 | $ 216,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 925,000 | $ 925,000 | $ 458,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 1,425,000 | $ 1,425,000 | $ 480,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 525,000 | $ 525,000 | $ 149,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 465,000 | $ 465,000 | $ 277,000 |
| Oshkosh-Neenah, WI | 1 | $ 185,000 | $ 185,000 | $ 100,000 |
| San Angelo, TX | 1 | $ 2,505,000 | $ 2,505,000 | $ 545,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 1,505,000 | $ 1,505,000 | $ 476,000 |
| Slidell-Mandeville-Covington, LA | 1 | $ 345,000 | $ 345,000 | $ 100,000 |
| Springfield, MO | 1 | $ 215,000 | $ 215,000 | $ 77,000 |
| Washington, DC-MD | 1 | $ 555,000 | $ 555,000 | $ 504,000 |
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.
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