North Shore Trust & Savings Mortgage Lending & HMDA Data, 2022
In 2022, North Shore Trust & Savings of Waukegan, IL reported 117 mortgage applications totaling $33.7 million, down 57% from 2021. The average application was for $287,991, and applicants reported an average income of $137,478. 61% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Lake County-Kenosha County, IL-WI (68), Chicago-Naperville, IL (33) and Elgin, 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 | 117 |
| Total Mortgage Loan Application Amount | $33,695,000 |
| Average Mortgage Loan Application Amount | $287,991 |
| Highest Mortgage Loan Application Amount | $1,605,000 |
| Average Applicant Income | $137,478 |
| Highest Applicant Income | $1,224,000 |
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records North Shore Trust & Savings filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022
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 | 66 | $18,460,000 | $279,000 | $1,155,000 | $112,000 | $348,000 |
| Cash-out Refinancing | 32 | $8,740,000 | $273,000 | $1,355,000 | $183,000 | $1,224,000 |
| Refinancing | 12 | $5,180,000 | $431,000 | $1,605,000 | $167,000 | $453,000 |
| Other Purpose | 7 | $1,315,000 | $187,000 | $255,000 | $119,000 | $173,000 |
| 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 | 67 | $18,465,000 | $275,000 | $1,355,000 | $157,000 | $1,224,000 |
| Hispanic | 15 | $3,305,000 | $220,000 | $405,000 | $83,000 | $221,000 |
| Not Provided | 14 | $3,090,000 | $220,000 | $675,000 | $116,000 | $276,000 |
| Not applicable | 11 | $6,975,000 | $634,000 | $1,605,000 | $0 | $0 |
| Asian | 5 | $1,005,000 | $201,000 | $355,000 | $107,000 | $146,000 |
| Black or African American | 4 | $610,000 | $152,000 | $175,000 | $117,000 | $222,000 |
| 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) | 104 | $31,030,000 | $298,000 | $1,605,000 | $145,000 | $1,224,000 |
| FHA-insured (Federal Housing Administration) | 12 | $2,390,000 | $199,000 | $365,000 | $73,000 | $136,000 |
| VA-guaranteed (Veterans Administration) | 1 | $275,000 | $275,000 | $275,000 | $93,000 | $93,000 |
| 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 | 71 | $19,045,000 | $268,000 | $1,605,000 | $128,000 | $453,000 |
| Application Withdrawn By Applicant | 18 | $5,540,000 | $307,000 | $1,355,000 | $174,000 | $1,224,000 |
| Application Denied By Financial Institution | 17 | $3,355,000 | $197,000 | $325,000 | $72,000 | $156,000 |
| Loan Purchased By The Institution | 9 | $5,265,000 | $585,000 | $1,155,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $305,000 | $305,000 | $305,000 | $1,105,000 | $1,105,000 |
| File Closed For Incompleteness | 1 | $185,000 | $185,000 | $185,000 | $240,000 | $240,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 100 | $30,340,000 | $303,000 | $1,605,000 | $149,000 | $1,224,000 |
| Credit History | 10 | $2,100,000 | $210,000 | $275,000 | $89,000 | $156,000 |
| Debt-To-Income Ratio | 5 | $1,025,000 | $205,000 | $325,000 | $49,000 | $70,000 |
| Collateral | 2 | $230,000 | $115,000 | $125,000 | $40,000 | $40,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2022 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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