North Shore Trust & Savings Mortgage Lending & HMDA Data, 2012
In 2012, North Shore Trust & Savings of Waukegan, IL reported 193 mortgage applications totaling $27.2 million, down 10% from 2011. The average application was for $141,082, and applicants reported an average income of $75,601. 59% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Lake County-Kenosha County, IL-WI (155), Chicago-Joliet-Naperville, IL (23) and Milwaukee-Waukesha-West Allis, WI (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 | 193 |
| Total Mortgage Loan Application Amount | $27,229,000 |
| Average Mortgage Loan Application Amount | $141,082 |
| Highest Mortgage Loan Application Amount | $525,000 |
| Average Applicant Income | $75,601 |
| Highest Applicant Income | $334,000 |
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records North Shore Trust & Savings filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012
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 | 95 | $11,665,000 | $122,000 | $490,000 | $67,000 | $334,000 |
| Refinancing | 95 | $15,344,000 | $161,000 | $525,000 | $84,000 | $225,000 |
| Home Improvement | 3 | $220,000 | $73,000 | $89,000 | $82,000 | $125,000 |
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 | 131 | $20,349,000 | $155,000 | $525,000 | $85,000 | $334,000 |
| Hispanic | 34 | $3,502,000 | $103,000 | $254,000 | $58,000 | $122,000 |
| Asian | 7 | $1,161,000 | $165,000 | $435,000 | $71,000 | $129,000 |
| Black or African American | 7 | $711,000 | $101,000 | $128,000 | $67,000 | $81,000 |
| Not applicable | 7 | $452,000 | $64,000 | $187,000 | $0 | $0 |
| Not Provided | 6 | $956,000 | $159,000 | $217,000 | $71,000 | $136,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $98,000 | $98,000 | $98,000 | $17,000 | $17,000 |
| 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) | 126 | $18,551,000 | $147,000 | $525,000 | $84,000 | $334,000 |
| FHA-insured (Federal Housing Administration) | 55 | $6,794,000 | $123,000 | $268,000 | $55,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,884,000 | $157,000 | $328,000 | $81,000 | $167,000 |
| 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 | 113 | $15,755,000 | $139,000 | $525,000 | $73,000 | $334,000 |
| Application Denied By Financial Institution | 46 | $6,743,000 | $146,000 | $500,000 | $71,000 | $225,000 |
| Application Withdrawn By Applicant | 17 | $2,757,000 | $162,000 | $350,000 | $111,000 | $209,000 |
| Preapproval Approved but not Accepted | 11 | $1,299,000 | $118,000 | $328,000 | $59,000 | $168,000 |
| Application Approved But Not Accepted | 3 | $424,000 | $141,000 | $300,000 | $106,000 | $169,000 |
| Preapproval Denied by Financial Institution | 2 | $229,000 | $114,000 | $127,000 | $45,000 | $79,000 |
| File Closed For Incompleteness | 1 | $22,000 | $22,000 | $22,000 | $29,000 | $29,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 15 | $2,293,000 | $152,000 | $288,000 | $79,000 | $127,000 |
| Credit History | 10 | $1,534,000 | $153,000 | $435,000 | $62,000 | $129,000 |
| Other | 8 | $1,224,000 | $153,000 | $500,000 | $77,000 | $182,000 |
| Debt-To-Income Ratio | 6 | $689,000 | $114,000 | $142,000 | $57,000 | $94,000 |
| Unverifiable Information | 4 | $454,000 | $113,000 | $153,000 | $56,000 | $92,000 |
| Employment History | 2 | $178,000 | $89,000 | $108,000 | $32,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $265,000 | $132,000 | $191,000 | $52,000 | $71,000 |
| Credit Application Incomplete | 1 | $335,000 | $335,000 | $335,000 | $225,000 | $225,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into North Shore Trust & Savings's 2012 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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