North Shore Trust & Savings Mortgage Lending & HMDA Data, 2021
In 2021, North Shore Trust & Savings of Waukegan, IL reported 269 mortgage applications totaling $62.5 million, down 17% from 2020. The average application was for $232,360, and applicants reported an average income of $142,535. 65% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Lake County-Kenosha County, IL-WI (158), Chicago-Naperville, IL (83) and Houston-The Woodlands-Sugar Land, TX (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 | 269 |
| Total Mortgage Loan Application Amount | $62,505,000 |
| Average Mortgage Loan Application Amount | $232,360 |
| Highest Mortgage Loan Application Amount | $695,000 |
| Average Applicant Income | $142,535 |
| Highest Applicant Income | $3,835,000 |
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records North Shore Trust & Savings filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021
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 | 108 | $21,370,000 | $197,000 | $695,000 | $108,000 | $404,000 |
| Home Purchase | 96 | $27,440,000 | $285,000 | $635,000 | $169,000 | $3,835,000 |
| Cash-out Refinancing | 61 | $13,255,000 | $217,000 | $685,000 | $162,000 | $2,540,000 |
| Other Purpose | 4 | $440,000 | $110,000 | $155,000 | $143,000 | $210,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 176 | $43,470,000 | $246,000 | $695,000 | $160,000 | $3,835,000 |
| Hispanic | 45 | $6,965,000 | $154,000 | $385,000 | $74,000 | $171,000 |
| Not Provided | 24 | $6,740,000 | $280,000 | $685,000 | $154,000 | $355,000 |
| Asian | 13 | $2,635,000 | $202,000 | $545,000 | $139,000 | $322,000 |
| Black or African American | 9 | $2,095,000 | $232,000 | $495,000 | $113,000 | $234,000 |
| Not applicable | 2 | $600,000 | $300,000 | $535,000 | $0 | $0 |
| 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) | 257 | $59,935,000 | $233,000 | $695,000 | $146,000 | $3,835,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,500,000 | $187,000 | $295,000 | $78,000 | $105,000 |
| VA-guaranteed (Veterans Administration) | 4 | $1,070,000 | $267,000 | $315,000 | $71,000 | $134,000 |
| 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 | 175 | $42,275,000 | $241,000 | $695,000 | $139,000 | $2,540,000 |
| Application Withdrawn By Applicant | 52 | $12,020,000 | $231,000 | $615,000 | $127,000 | $523,000 |
| Application Denied By Financial Institution | 33 | $6,025,000 | $182,000 | $495,000 | $191,000 | $3,835,000 |
| File Closed For Incompleteness | 7 | $1,585,000 | $226,000 | $325,000 | $114,000 | $192,000 |
| Application Approved But Not Accepted | 2 | $600,000 | $300,000 | $395,000 | $180,000 | $208,000 |
| 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 | 236 | $56,480,000 | $239,000 | $695,000 | $136,000 | $2,540,000 |
| Debt-To-Income Ratio | 16 | $3,340,000 | $208,000 | $495,000 | $62,000 | $152,000 |
| Credit History | 7 | $1,135,000 | $162,000 | $315,000 | $629,000 | $3,835,000 |
| Other | 4 | $780,000 | $195,000 | $265,000 | $99,000 | $210,000 |
| Collateral | 2 | $190,000 | $95,000 | $105,000 | $40,000 | $53,000 |
| Employment History | 2 | $370,000 | $185,000 | $235,000 | $133,000 | $227,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $81,000 | $81,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $86,000 | $86,000 |
| 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 2021 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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