Northbrook Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2019
In 2019, Northbrook Bank & Trust Company, N.A. of Northbrook, IL reported 95 mortgage applications totaling $68.0 million. The average application was for $716,263, and applicants reported an average income of $369,978. 86% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Chicago-Naperville, IL (82), Lake County-Kenosha County, IL-WI (10) and Denver-Aurora-Lakewood, CO (1) (applications in parentheses).
| Mortgage Company & Address | Northbrook Bank & Trust Company, N.A. 1100 Waukegan Rd Northbrook, IL 60062 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 |
| Total Number of Mortgage Applications | 95 |
| Total Mortgage Loan Application Amount | $68,045,000 |
| Average Mortgage Loan Application Amount | $716,263 |
| Highest Mortgage Loan Application Amount | $6,485,000 |
| Average Applicant Income | $369,978 |
| Highest Applicant Income | $6,012,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Northbrook Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook, Illinois | 82 | $ 60,370,000 | $ 736,219 | $ 296,000 |
| Lake, Illinois | 10 | $ 4,630,000 | $ 463,000 | $ 184,000 |
| Arapahoe, Colorado | 1 | $ 875,000 | $ 875,000 | $ 6,012,000 |
| Kane, Illinois | 1 | $ 515,000 | $ 515,000 | $ 355,000 |
| Salt Lake, Utah | 1 | $ 1,655,000 | $ 1,655,000 | $ 0 |
Mortgage Loan Application Detail Totals for Northbrook Bank & Trust Company, N.A. 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 |
|---|---|---|---|---|---|---|
| Refinancing | 51 | $39,615,000 | $776,000 | $6,485,000 | $310,000 | $746,000 |
| Home Purchase | 31 | $22,305,000 | $719,000 | $4,005,000 | $512,000 | $6,012,000 |
| Cash-out Refinancing | 10 | $5,410,000 | $541,000 | $805,000 | $274,000 | $1,021,000 |
| Other Purpose | 2 | $620,000 | $310,000 | $405,000 | $178,000 | $221,000 |
| Home Improvement | 1 | $95,000 | $95,000 | $95,000 | $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 | 48 | $25,430,000 | $529,000 | $1,105,000 | $429,000 | $6,012,000 |
| Not applicable | 37 | $39,175,000 | $1,058,000 | $6,485,000 | $0 | $0 |
| Hispanic | 5 | $1,565,000 | $313,000 | $575,000 | $250,000 | $355,000 |
| Asian | 3 | $945,000 | $315,000 | $585,000 | $81,000 | $152,000 |
| Not Provided | 2 | $930,000 | $465,000 | $775,000 | $71,000 | $89,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 95 | $68,045,000 | $716,000 | $6,485,000 | $386,000 | $6,012,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 82 | $60,980,000 | $743,000 | $6,485,000 | $438,000 | $6,012,000 |
| Application Withdrawn By Applicant | 6 | $2,650,000 | $441,000 | $715,000 | $239,000 | $519,000 |
| File Closed For Incompleteness | 3 | $1,805,000 | $601,000 | $765,000 | $158,000 | $241,000 |
| Application Denied By Financial Institution | 3 | $2,285,000 | $761,000 | $1,105,000 | $236,000 | $392,000 |
| Application Approved But Not Accepted | 1 | $325,000 | $325,000 | $325,000 | $322,000 | $322,000 |
| 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 | 92 | $65,760,000 | $714,000 | $6,485,000 | $395,000 | $6,012,000 |
| Collateral | 1 | $1,105,000 | $1,105,000 | $1,105,000 | $392,000 | $392,000 |
| Credit History | 1 | $405,000 | $405,000 | $405,000 | $264,000 | $264,000 |
| Debt-To-Income Ratio | 1 | $775,000 | $775,000 | $775,000 | $53,000 | $53,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Northbrook Bank & Trust Company, N.A.'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 Northbrook Bank & Trust Company, N.A.'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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