North Shore Trust & Savings Mortgage Lending & HMDA Data, 2015
In 2015, North Shore Trust & Savings of Waukegan, IL reported 273 mortgage applications totaling $51.7 million, up 42% from 2014. The average application was for $189,227, and applicants reported an average income of $98,882. 60% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Lake County-Kenosha County, IL-WI (162), Chicago-Naperville-Arlington Heights, IL (77) and Elgin, IL (4) (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 | 273 |
| Total Mortgage Loan Application Amount | $51,659,000 |
| Average Mortgage Loan Application Amount | $189,227 |
| Highest Mortgage Loan Application Amount | $1,300,000 |
| Average Applicant Income | $98,882 |
| Highest Applicant Income | $1,614,000 |
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records North Shore Trust & Savings filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015
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 | 160 | $27,692,000 | $173,000 | $1,000,000 | $90,000 | $1,614,000 |
| Refinancing | 104 | $22,066,000 | $212,000 | $1,300,000 | $107,000 | $712,000 |
| Home Improvement | 9 | $1,901,000 | $211,000 | $447,000 | $163,000 | $467,000 |
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 | 196 | $38,738,000 | $197,000 | $1,084,000 | $109,000 | $1,614,000 |
| Hispanic | 48 | $4,898,000 | $102,000 | $241,000 | $57,000 | $162,000 |
| Not Provided | 10 | $2,999,000 | $299,000 | $1,000,000 | $139,000 | $712,000 |
| Asian | 9 | $1,496,000 | $166,000 | $417,000 | $104,000 | $467,000 |
| Black or African American | 4 | $837,000 | $209,000 | $289,000 | $76,000 | $90,000 |
| Not applicable | 4 | $2,200,000 | $550,000 | $1,300,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $178,000 | $178,000 | $178,000 | $100,000 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $313,000 | $313,000 | $313,000 | $139,000 | $139,000 |
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) | 217 | $43,200,000 | $199,000 | $1,300,000 | $108,000 | $1,614,000 |
| FHA-insured (Federal Housing Administration) | 45 | $6,447,000 | $143,000 | $372,000 | $54,000 | $129,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,012,000 | $182,000 | $319,000 | $92,000 | $162,000 |
| 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 | 165 | $30,005,000 | $181,000 | $1,084,000 | $98,000 | $1,614,000 |
| Application Denied By Financial Institution | 46 | $9,331,000 | $202,000 | $1,300,000 | $83,000 | $374,000 |
| Application Withdrawn By Applicant | 43 | $8,710,000 | $202,000 | $1,000,000 | $122,000 | $712,000 |
| File Closed For Incompleteness | 6 | $1,107,000 | $184,000 | $360,000 | $86,000 | $122,000 |
| Preapproval Approved but not Accepted | 6 | $677,000 | $112,000 | $200,000 | $58,000 | $108,000 |
| Application Approved But Not Accepted | 4 | $1,472,000 | $368,000 | $840,000 | $177,000 | $436,000 |
| Preapproval Denied by Financial Institution | 3 | $357,000 | $119,000 | $130,000 | $45,000 | $59,000 |
| 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 | 18 | $2,447,000 | $135,000 | $289,000 | $62,000 | $95,000 |
| Collateral | 13 | $2,576,000 | $198,000 | $602,000 | $115,000 | $236,000 |
| Debt-To-Income Ratio | 7 | $926,000 | $132,000 | $296,000 | $62,000 | $180,000 |
| Other | 5 | $2,687,000 | $537,000 | $1,300,000 | $50,000 | $120,000 |
| Unverifiable Information | 3 | $738,000 | $246,000 | $400,000 | $173,000 | $374,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $144,000 | $72,000 | $89,000 | $40,000 | $57,000 |
| Employment History | 1 | $170,000 | $170,000 | $170,000 | $74,000 | $74,000 |
| Credit Application Incomplete | 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 2015 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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