North Shore Trust & Savings Mortgage Lending & HMDA Data, 2024
In 2024, North Shore Trust & Savings of Waukegan, IL reported 453 mortgage applications totaling $140.8 million, up 194% from 2023. The average application was for $310,827, and applicants reported an average income of $197,379. 66% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Chicago-Naperville, IL (254), Lake County-Kenosha County, IL-WI (59) and Elgin, IL (31) (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 | 453 |
| Total Mortgage Loan Application Amount | $140,805,000 |
| Average Mortgage Loan Application Amount | $310,827 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $197,379 |
| Highest Applicant Income | $1,585,000 |
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records North Shore Trust & Savings filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024
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 | 291 | $92,275,000 | $317,000 | $1,705,000 | $157,000 | $1,214,000 |
| Cash-out Refinancing | 78 | $24,570,000 | $315,000 | $3,005,000 | $381,000 | $1,585,000 |
| Refinancing | 58 | $16,350,000 | $281,000 | $2,005,000 | $143,000 | $521,000 |
| Other Purpose | 16 | $6,110,000 | $381,000 | $2,005,000 | $284,000 | $1,495,000 |
| Home Improvement | 10 | $1,500,000 | $150,000 | $375,000 | $117,000 | $258,000 |
| 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 | 348 | $111,840,000 | $321,000 | $3,005,000 | $216,000 | $1,585,000 |
| Hispanic | 43 | $11,225,000 | $261,000 | $725,000 | $127,000 | $546,000 |
| Not Provided | 29 | $8,035,000 | $277,000 | $715,000 | $133,000 | $287,000 |
| Asian | 15 | $5,625,000 | $375,000 | $1,175,000 | $143,000 | $299,000 |
| Not applicable | 9 | $1,535,000 | $170,000 | $265,000 | $0 | $0 |
| Black or African American | 8 | $2,420,000 | $302,000 | $615,000 | $176,000 | $585,000 |
| American Indian or Alaskan Native | 1 | $125,000 | $125,000 | $125,000 | $203,000 | $203,000 |
| 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) | 408 | $128,450,000 | $314,000 | $3,005,000 | $208,000 | $1,585,000 |
| FHA-insured (Federal Housing Administration) | 34 | $8,910,000 | $262,000 | $465,000 | $111,000 | $252,000 |
| VA-guaranteed (Veterans Administration) | 11 | $3,445,000 | $313,000 | $465,000 | $108,000 | $227,000 |
| 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 | 297 | $88,155,000 | $296,000 | $2,075,000 | $189,000 | $1,495,000 |
| Application Withdrawn By Applicant | 97 | $37,225,000 | $383,000 | $3,005,000 | $281,000 | $1,585,000 |
| Application Denied By Financial Institution | 28 | $7,140,000 | $255,000 | $1,705,000 | $89,000 | $400,000 |
| Application Approved But Not Accepted | 22 | $5,350,000 | $243,000 | $465,000 | $131,000 | $447,000 |
| File Closed For Incompleteness | 9 | $2,935,000 | $326,000 | $985,000 | $126,000 | $258,000 |
| 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 | 425 | $133,665,000 | $314,000 | $3,005,000 | $206,000 | $1,585,000 |
| Debt-To-Income Ratio | 13 | $4,585,000 | $352,000 | $1,705,000 | $66,000 | $178,000 |
| Credit History | 6 | $1,460,000 | $243,000 | $465,000 | $153,000 | $400,000 |
| Collateral | 5 | $515,000 | $103,000 | $175,000 | $78,000 | $118,000 |
| Employment History | 2 | $240,000 | $120,000 | $135,000 | $53,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $77,000 | $77,000 |
| Other | 1 | $255,000 | $255,000 | $255,000 | $152,000 | $152,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2024 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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