North Shore Trust & Savings Mortgage Lending & HMDA Data, 2011
In 2011, North Shore Trust & Savings of Waukegan, IL reported 215 mortgage applications totaling $32.2 million. The average application was for $149,623, and applicants reported an average income of $80,837. 68% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Lake County-Kenosha County, IL-WI (165), Chicago-Joliet-Naperville, IL (23) and Cincinnati-Middletown, OH-KY-IN (1) (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 | 215 |
| Total Mortgage Loan Application Amount | $32,169,000 |
| Average Mortgage Loan Application Amount | $149,623 |
| Highest Mortgage Loan Application Amount | $858,000 |
| Average Applicant Income | $80,837 |
| Highest Applicant Income | $531,000 |
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records North Shore Trust & Savings filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011
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 | 157 | $21,907,000 | $139,000 | $858,000 | $74,000 | $531,000 |
| Refinancing | 55 | $9,771,000 | $177,000 | $438,000 | $98,000 | $238,000 |
| Home Improvement | 3 | $491,000 | $163,000 | $191,000 | $124,000 | $189,000 |
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 | 157 | $24,609,000 | $156,000 | $394,000 | $89,000 | $531,000 |
| Hispanic | 41 | $4,086,000 | $99,000 | $438,000 | $57,000 | $170,000 |
| Black or African American | 10 | $1,175,000 | $117,000 | $201,000 | $59,000 | $79,000 |
| Not applicable | 3 | $1,437,000 | $479,000 | $858,000 | $0 | $0 |
| Not Provided | 2 | $516,000 | $258,000 | $416,000 | $130,000 | $225,000 |
| Asian | 2 | $346,000 | $173,000 | $249,000 | $48,000 | $65,000 |
| 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) | 134 | $21,922,000 | $163,000 | $858,000 | $95,000 | $531,000 |
| FHA-insured (Federal Housing Administration) | 66 | $7,520,000 | $113,000 | $360,000 | $51,000 | $197,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,727,000 | $181,000 | $305,000 | $86,000 | $189,000 |
| 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 | 146 | $21,783,000 | $149,000 | $858,000 | $80,000 | $531,000 |
| Application Withdrawn By Applicant | 24 | $4,466,000 | $186,000 | $333,000 | $99,000 | $239,000 |
| Application Denied By Financial Institution | 18 | $3,035,000 | $168,000 | $416,000 | $88,000 | $225,000 |
| Preapproval Approved but not Accepted | 12 | $1,497,000 | $124,000 | $360,000 | $90,000 | $403,000 |
| Preapproval Denied by Financial Institution | 12 | $905,000 | $75,000 | $105,000 | $29,000 | $79,000 |
| Application Approved But Not Accepted | 3 | $483,000 | $161,000 | $200,000 | $60,000 | $85,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Other | 9 | $1,225,000 | $136,000 | $250,000 | $91,000 | $171,000 |
| Debt-To-Income Ratio | 7 | $588,000 | $84,000 | $208,000 | $32,000 | $50,000 |
| Collateral | 6 | $1,222,000 | $203,000 | $342,000 | $73,000 | $136,000 |
| Credit History | 6 | $768,000 | $128,000 | $416,000 | $64,000 | $225,000 |
| Unverifiable Information | 2 | $137,000 | $68,000 | $73,000 | $35,000 | $36,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into North Shore Trust & Savings's 2011 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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