North Shore Trust & Savings Mortgage Lending & HMDA Data, 2014
In 2014, North Shore Trust & Savings of Waukegan, IL reported 192 mortgage applications totaling $31.4 million, up 1% from 2013. The average application was for $163,708, and applicants reported an average income of $90,791. 52% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Lake County-Kenosha County, IL-WI (124), Chicago-Naperville-Arlington Heights, IL (42) and Madison, 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 | 192 |
| Total Mortgage Loan Application Amount | $31,432,000 |
| Average Mortgage Loan Application Amount | $163,708 |
| Highest Mortgage Loan Application Amount | $904,000 |
| Average Applicant Income | $90,791 |
| Highest Applicant Income | $1,202,000 |
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records North Shore Trust & Savings filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 130 | $21,839,000 | $167,000 | $904,000 | $81,000 | $1,202,000 |
| Refinancing | 53 | $7,735,000 | $145,000 | $364,000 | $109,000 | $808,000 |
| Home Improvement | 9 | $1,858,000 | $206,000 | $760,000 | $125,000 | $233,000 |
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 | 133 | $22,628,000 | $170,000 | $760,000 | $92,000 | $1,202,000 |
| Hispanic | 26 | $3,551,000 | $136,000 | $364,000 | $97,000 | $808,000 |
| Black or African American | 14 | $1,641,000 | $117,000 | $320,000 | $75,000 | $177,000 |
| Not Provided | 9 | $921,000 | $102,000 | $221,000 | $60,000 | $80,000 |
| Asian | 5 | $1,726,000 | $345,000 | $904,000 | $196,000 | $370,000 |
| Not applicable | 4 | $877,000 | $219,000 | $480,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $88,000 | $88,000 | $88,000 | $101,000 | $101,000 |
| 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) | 146 | $23,836,000 | $163,000 | $904,000 | $96,000 | $1,202,000 |
| FHA-insured (Federal Housing Administration) | 41 | $6,220,000 | $151,000 | $368,000 | $63,000 | $192,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,376,000 | $275,000 | $394,000 | $162,000 | $415,000 |
| 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 | 100 | $17,368,000 | $173,000 | $760,000 | $97,000 | $1,202,000 |
| Application Denied By Financial Institution | 37 | $5,117,000 | $138,000 | $394,000 | $85,000 | $808,000 |
| Application Withdrawn By Applicant | 28 | $5,267,000 | $188,000 | $904,000 | $90,000 | $370,000 |
| Preapproval Approved but not Accepted | 12 | $1,976,000 | $164,000 | $368,000 | $69,000 | $192,000 |
| Preapproval Denied by Financial Institution | 9 | $1,071,000 | $119,000 | $290,000 | $68,000 | $134,000 |
| File Closed For Incompleteness | 5 | $462,000 | $92,000 | $128,000 | $124,000 | $204,000 |
| Application Approved But Not Accepted | 1 | $171,000 | $171,000 | $171,000 | $65,000 | $65,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 17 | $2,062,000 | $121,000 | $394,000 | $81,000 | $415,000 |
| Debt-To-Income Ratio | 12 | $1,709,000 | $142,000 | $360,000 | $46,000 | $89,000 |
| Collateral | 11 | $1,362,000 | $123,000 | $220,000 | $56,000 | $108,000 |
| Other | 3 | $529,000 | $176,000 | $290,000 | $322,000 | $808,000 |
| Unverifiable Information | 1 | $90,000 | $90,000 | $90,000 | $33,000 | $33,000 |
| Employment History | 1 | $180,000 | $180,000 | $180,000 | $40,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $256,000 | $256,000 | $256,000 | $156,000 | $156,000 |
| 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 2014 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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