North Shore Trust & Savings Mortgage Lending & HMDA Data, 2018
In 2018, North Shore Trust & Savings of Waukegan, IL reported 149 mortgage applications totaling $36.4 million, down 33% from 2017. The average application was for $244,463, and applicants reported an average income of $112,241. 67% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Lake County-Kenosha County, IL-WI (92), Chicago-Naperville-Arlington Heights, IL (45) and Peoria, IL (2) (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 | 149 |
| Total Mortgage Loan Application Amount | $36,425,000 |
| Average Mortgage Loan Application Amount | $244,463 |
| Highest Mortgage Loan Application Amount | $1,405,000 |
| Average Applicant Income | $112,241 |
| Highest Applicant Income | $901,000 |
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records North Shore Trust & Savings filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018
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 | 106 | $26,250,000 | $247,000 | $1,405,000 | $113,000 | $901,000 |
| Cash-out Refinancing | 21 | $3,735,000 | $177,000 | $505,000 | $103,000 | $350,000 |
| Refinancing | 18 | $5,980,000 | $332,000 | $1,395,000 | $118,000 | $369,000 |
| Other Purpose | 3 | $325,000 | $108,000 | $145,000 | $97,000 | $206,000 |
| Home Improvement | 1 | $135,000 | $135,000 | $135,000 | $168,000 | $168,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 98 | $23,310,000 | $237,000 | $995,000 | $115,000 | $622,000 |
| Hispanic | 23 | $3,545,000 | $154,000 | $705,000 | $65,000 | $144,000 |
| Not Provided | 15 | $3,525,000 | $235,000 | $605,000 | $126,000 | $285,000 |
| Not applicable | 5 | $3,635,000 | $727,000 | $1,395,000 | $0 | $0 |
| Asian | 5 | $2,115,000 | $423,000 | $1,405,000 | $275,000 | $901,000 |
| Black or African American | 3 | $295,000 | $98,000 | $125,000 | $53,000 | $64,000 |
| 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) | 137 | $34,475,000 | $251,000 | $1,405,000 | $115,000 | $901,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,950,000 | $162,000 | $325,000 | $78,000 | $161,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | $25,590,000 | $255,000 | $1,405,000 | $117,000 | $901,000 |
| Application Denied By Financial Institution | 28 | $5,690,000 | $203,000 | $705,000 | $97,000 | $622,000 |
| Application Withdrawn By Applicant | 17 | $3,895,000 | $229,000 | $565,000 | $102,000 | $172,000 |
| File Closed For Incompleteness | 2 | $940,000 | $470,000 | $665,000 | $168,000 | $230,000 |
| Application Approved But Not Accepted | 2 | $310,000 | $155,000 | $255,000 | $89,000 | $89,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 121 | $30,735,000 | $254,000 | $1,405,000 | $115,000 | $901,000 |
| Debt-To-Income Ratio | 9 | $1,985,000 | $220,000 | $705,000 | $60,000 | $131,000 |
| Credit History | 7 | $1,275,000 | $182,000 | $485,000 | $172,000 | $622,000 |
| Other | 6 | $920,000 | $153,000 | $255,000 | $63,000 | $151,000 |
| Collateral | 4 | $1,150,000 | $287,000 | $505,000 | $135,000 | $350,000 |
| Credit Application Incomplete | 1 | $235,000 | $235,000 | $235,000 | $87,000 | $87,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $125,000 | $125,000 | $125,000 | $45,000 | $45,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into North Shore Trust & Savings's 2018 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About