North Shore Trust & Savings Mortgage Lending & HMDA Data, 2017
In 2017, North Shore Trust & Savings of Waukegan, IL reported 221 mortgage applications totaling $48.3 million, down 30% from 2016. The average application was for $218,588, and applicants reported an average income of $98,420. 57% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Lake County-Kenosha County, IL-WI (125), Chicago-Naperville-Arlington Heights, IL (81) 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 | 221 |
| Total Mortgage Loan Application Amount | $48,308,000 |
| Average Mortgage Loan Application Amount | $218,588 |
| Highest Mortgage Loan Application Amount | $1,556,000 |
| Average Applicant Income | $98,420 |
| Highest Applicant Income | $641,000 |
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records North Shore Trust & Savings filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017
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 | 141 | $29,106,000 | $206,000 | $1,022,000 | $97,000 | $641,000 |
| Refinancing | 71 | $17,607,000 | $247,000 | $1,556,000 | $98,000 | $612,000 |
| Home Improvement | 9 | $1,595,000 | $177,000 | $338,000 | $124,000 | $214,000 |
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 | 150 | $34,949,000 | $232,000 | $715,000 | $105,000 | $513,000 |
| Hispanic | 35 | $5,421,000 | $154,000 | $453,000 | $68,000 | $235,000 |
| Not applicable | 19 | $3,105,000 | $163,000 | $1,556,000 | $0 | $0 |
| Not Provided | 9 | $1,928,000 | $214,000 | $394,000 | $149,000 | $300,000 |
| Asian | 5 | $1,460,000 | $292,000 | $1,022,000 | $187,000 | $641,000 |
| Black or African American | 3 | $1,445,000 | $481,000 | $669,000 | $401,000 | $612,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 189 | $43,013,000 | $227,000 | $1,556,000 | $105,000 | $641,000 |
| FHA-insured (Federal Housing Administration) | 27 | $3,645,000 | $135,000 | $398,000 | $37,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,650,000 | $330,000 | $669,000 | $185,000 | $612,000 |
| 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 | 127 | $29,254,000 | $230,000 | $1,556,000 | $103,000 | $612,000 |
| Application Denied By Financial Institution | 38 | $8,301,000 | $218,000 | $520,000 | $93,000 | $283,000 |
| Application Withdrawn By Applicant | 31 | $6,918,000 | $223,000 | $1,022,000 | $107,000 | $641,000 |
| Loan Purchased By The Institution | 12 | $586,000 | $48,000 | $69,000 | $0 | $0 |
| File Closed For Incompleteness | 9 | $2,337,000 | $259,000 | $400,000 | $102,000 | $204,000 |
| Application Approved But Not Accepted | 4 | $912,000 | $228,000 | $388,000 | $216,000 | $513,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 13 | $3,525,000 | $271,000 | $520,000 | $129,000 | $277,000 |
| Credit History | 11 | $1,838,000 | $167,000 | $315,000 | $74,000 | $144,000 |
| Debt-To-Income Ratio | 9 | $1,779,000 | $197,000 | $424,000 | $54,000 | $122,000 |
| Other | 3 | $928,000 | $309,000 | $398,000 | $120,000 | $283,000 |
| Credit Application Incomplete | 1 | $157,000 | $157,000 | $157,000 | $180,000 | $180,000 |
| Employment History | 1 | $74,000 | $74,000 | $74,000 | $38,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into North Shore Trust & Savings's 2017 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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