North Shore Trust & Savings Mortgage Lending & HMDA Data, 2020
In 2020, North Shore Trust & Savings of Waukegan, IL reported 325 mortgage applications totaling $82.3 million, up 65% from 2019. The average application was for $253,123, and applicants reported an average income of $141,532. 64% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Lake County-Kenosha County, IL-WI (158), Chicago-Naperville, IL (129) and Elgin, IL (13) (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 | 325 |
| Total Mortgage Loan Application Amount | $82,265,000 |
| Average Mortgage Loan Application Amount | $253,123 |
| Highest Mortgage Loan Application Amount | $1,255,000 |
| Average Applicant Income | $141,532 |
| Highest Applicant Income | $1,358,000 |
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records North Shore Trust & Savings filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 168 | $43,550,000 | $259,000 | $795,000 | $148,000 | $1,358,000 |
| Home Purchase | 78 | $20,900,000 | $267,000 | $665,000 | $133,000 | $370,000 |
| Cash-out Refinancing | 72 | $16,470,000 | $228,000 | $1,255,000 | $137,000 | $612,000 |
| Other Purpose | 4 | $820,000 | $205,000 | $305,000 | $152,000 | $248,000 |
| Home Improvement | 3 | $525,000 | $175,000 | $325,000 | $96,000 | $122,000 |
| 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 | 246 | $63,260,000 | $257,000 | $1,255,000 | $146,000 | $1,358,000 |
| Hispanic | 37 | $7,625,000 | $206,000 | $695,000 | $81,000 | $282,000 |
| Not Provided | 22 | $5,910,000 | $268,000 | $555,000 | $136,000 | $409,000 |
| Black or African American | 9 | $2,055,000 | $228,000 | $585,000 | $192,000 | $950,000 |
| Asian | 6 | $1,650,000 | $275,000 | $505,000 | $218,000 | $515,000 |
| Not applicable | 2 | $650,000 | $325,000 | $405,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $195,000 | $195,000 | $195,000 | $135,000 | $135,000 |
| 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) | 309 | $79,035,000 | $255,000 | $1,255,000 | $144,000 | $1,358,000 |
| FHA-insured (Federal Housing Administration) | 13 | $2,345,000 | $180,000 | $375,000 | $86,000 | $143,000 |
| VA-guaranteed (Veterans Administration) | 3 | $885,000 | $295,000 | $375,000 | $133,000 | $189,000 |
| 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 | 207 | $51,705,000 | $249,000 | $695,000 | $145,000 | $1,358,000 |
| Application Denied By Financial Institution | 67 | $16,825,000 | $251,000 | $795,000 | $115,000 | $612,000 |
| Application Withdrawn By Applicant | 32 | $8,020,000 | $250,000 | $705,000 | $148,000 | $864,000 |
| File Closed For Incompleteness | 17 | $5,275,000 | $310,000 | $1,255,000 | $199,000 | $950,000 |
| Application Approved But Not Accepted | 2 | $440,000 | $220,000 | $265,000 | $74,000 | $92,000 |
| 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 | 258 | $65,440,000 | $253,000 | $1,255,000 | $148,000 | $1,358,000 |
| Debt-To-Income Ratio | 25 | $6,565,000 | $262,000 | $695,000 | $77,000 | $335,000 |
| Credit History | 14 | $2,900,000 | $207,000 | $645,000 | $144,000 | $612,000 |
| Other | 10 | $2,770,000 | $277,000 | $695,000 | $141,000 | $409,000 |
| Collateral | 10 | $2,470,000 | $247,000 | $515,000 | $166,000 | $350,000 |
| Credit Application Incomplete | 3 | $1,285,000 | $428,000 | $795,000 | $154,000 | $343,000 |
| Employment History | 2 | $340,000 | $170,000 | $185,000 | $90,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $410,000 | $205,000 | $305,000 | $36,000 | $41,000 |
| Mortgage Insurance Denied | 1 | $85,000 | $85,000 | $85,000 | $27,000 | $27,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into North Shore Trust & Savings's 2020 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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