North Shore Trust & Savings Mortgage Lending & HMDA Data, 2019
In 2019, North Shore Trust & Savings of Waukegan, IL reported 197 mortgage applications totaling $45.3 million, up 32% from 2018. The average application was for $230,025, and applicants reported an average income of $118,111. 56% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Lake County-Kenosha County, IL-WI (134), Chicago-Naperville, IL (48) 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 | 197 |
| Total Mortgage Loan Application Amount | $45,315,000 |
| Average Mortgage Loan Application Amount | $230,025 |
| Highest Mortgage Loan Application Amount | $1,975,000 |
| Average Applicant Income | $118,111 |
| Highest Applicant Income | $710,000 |
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records North Shore Trust & Savings filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019
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 | 79 | $20,725,000 | $262,000 | $1,975,000 | $128,000 | $710,000 |
| Refinancing | 56 | $13,860,000 | $247,000 | $585,000 | $131,000 | $280,000 |
| Cash-out Refinancing | 44 | $8,800,000 | $200,000 | $525,000 | $107,000 | $335,000 |
| Other Purpose | 11 | $1,365,000 | $124,000 | $455,000 | $68,000 | $143,000 |
| Home Improvement | 7 | $565,000 | $80,000 | $265,000 | $52,000 | $112,000 |
| 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 | 137 | $31,495,000 | $229,000 | $785,000 | $123,000 | $710,000 |
| Hispanic | 25 | $3,005,000 | $120,000 | $355,000 | $64,000 | $205,000 |
| Not Provided | 12 | $4,360,000 | $363,000 | $1,105,000 | $200,000 | $620,000 |
| Black or African American | 10 | $1,530,000 | $153,000 | $455,000 | $98,000 | $224,000 |
| Not applicable | 7 | $3,775,000 | $539,000 | $1,975,000 | $0 | $0 |
| Asian | 6 | $1,150,000 | $191,000 | $365,000 | $94,000 | $193,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 170 | $40,730,000 | $239,000 | $1,975,000 | $123,000 | $710,000 |
| FHA-insured (Federal Housing Administration) | 27 | $4,585,000 | $169,000 | $325,000 | $86,000 | $224,000 |
| 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 | 111 | $28,515,000 | $256,000 | $1,975,000 | $131,000 | $710,000 |
| Application Denied By Financial Institution | 40 | $7,000,000 | $175,000 | $525,000 | $94,000 | $245,000 |
| Application Withdrawn By Applicant | 36 | $7,060,000 | $196,000 | $555,000 | $102,000 | $280,000 |
| File Closed For Incompleteness | 6 | $1,720,000 | $286,000 | $465,000 | $142,000 | $214,000 |
| Application Approved But Not Accepted | 4 | $1,020,000 | $255,000 | $425,000 | $111,000 | $207,000 |
| 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 | 157 | $38,315,000 | $244,000 | $1,975,000 | $124,000 | $710,000 |
| Credit History | 14 | $2,040,000 | $145,000 | $315,000 | $93,000 | $245,000 |
| Debt-To-Income Ratio | 9 | $1,655,000 | $183,000 | $375,000 | $74,000 | $169,000 |
| Collateral | 7 | $1,715,000 | $245,000 | $525,000 | $105,000 | $227,000 |
| Other | 6 | $1,040,000 | $173,000 | $265,000 | $99,000 | $224,000 |
| Unverifiable Information | 2 | $250,000 | $125,000 | $135,000 | $88,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $125,000 | $125,000 | $125,000 | $41,000 | $41,000 |
| Credit Application Incomplete | 1 | $175,000 | $175,000 | $175,000 | $240,000 | $240,000 |
| Employment History | 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 2019 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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