Northbrook Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2025
In 2025, Northbrook Bank & Trust Company, N.A. of Northbrook, IL reported 221 mortgage applications totaling $222.8 million, up 108% from 2024. The average application was for $1,007,986, and applicants reported an average income of $407,746. 68% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Chicago-Naperville, IL (122), Lake County-Kenosha County, IL-WI (25) and Minneapolis-St. Paul-Bloomington, MN-WI (7) (applications in parentheses).
| Mortgage Company & Address | Northbrook Bank & Trust Company, N.A. 1100 Waukegan Road Northbrook, IL 60062 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 221 |
| Total Mortgage Loan Application Amount | $222,765,000 |
| Average Mortgage Loan Application Amount | $1,007,986 |
| Highest Mortgage Loan Application Amount | $12,105,000 |
| Average Applicant Income | $407,746 |
| Highest Applicant Income | $2,367,000 |
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Northbrook Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville, IL | 122 | $ 114,000,000 | $ 934,426 | $ 425,000 |
| Lake County-Kenosha County, IL-WI | 25 | $ 21,495,000 | $ 859,800 | $ 360,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 2,555,000 | $ 365,000 | $ 179,000 |
| Oakland-Hayward-Berkeley, CA | 7 | $ 9,295,000 | $ 1,327,857 | $ 409,000 |
| Outside any metro area | 5 | $ 3,405,000 | $ 681,000 | $ 373,750 |
| Ogden-Clearfield, UT | 5 | $ 24,445,000 | $ 4,889,000 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 4,185,000 | $ 1,395,000 | $ 472,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 3,455,000 | $ 1,151,666 | $ 449,000 |
| Madison, WI | 3 | $ 1,615,000 | $ 538,333 | $ 492,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 2,120,000 | $ 1,060,000 | $ 289,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 3,850,000 | $ 1,925,000 | $ 840,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,620,000 | $ 810,000 | $ 317,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 2,410,000 | $ 1,205,000 | $ 229,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 1,730,000 | $ 865,000 | $ 475,000 |
| St. Louis, MO-IL | 2 | $ 2,930,000 | $ 1,465,000 | $ 754,000 |
| Tampa, FL | 2 | $ 640,000 | $ 320,000 | $ 439,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 1,970,000 | $ 985,000 | $ 541,000 |
| Bakersfield, CA | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Billings, MT | 1 | $ 395,000 | $ 395,000 | $ 192,000 |
| Bozeman, MT | 1 | $ 1,255,000 | $ 1,255,000 | $ 282,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 1,225,000 | $ 1,225,000 | $ 687,000 |
| Cincinnati, OH-KY-IN | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 345,000 | $ 345,000 | $ 140,000 |
| Durham-Chapel Hill, NC | 1 | $ 905,000 | $ 905,000 | $ 180,000 |
| Fond Du Lac, WI | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Fresno, CA | 1 | $ 1,405,000 | $ 1,405,000 | $ 317,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 1,285,000 | $ 1,285,000 | $ 1,261,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 945,000 | $ 945,000 | $ 870,000 |
| Michigan City-La Porte, IN | 1 | $ 645,000 | $ 645,000 | $ 709,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Morristown, TN | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Niles-Benton Harbor, MI | 1 | $ 965,000 | $ 965,000 | $ 483,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 1,235,000 | $ 1,235,000 | $ 450,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 1,115,000 | $ 1,115,000 | $ 398,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 855,000 | $ 855,000 | $ 400,000 |
| Salt Lake City, UT | 1 | $ 2,205,000 | $ 2,205,000 | $ 0 |
| Springfield, IL | 1 | $ 405,000 | $ 405,000 | $ 263,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Tallahassee, FL | 1 | $ 265,000 | $ 265,000 | $ 386,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Worcester, MA-CT | 1 | $ 1,415,000 | $ 1,415,000 | $ 571,000 |
Mortgage Loan Application Detail Totals for Northbrook Bank & Trust Company, N.A. in 2025
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 | 115 | $135,915,000 | $1,181,000 | $12,105,000 | $438,000 | $2,096,000 |
| Refinancing | 88 | $75,200,000 | $854,000 | $3,285,000 | $370,000 | $1,261,000 |
| Cash-out Refinancing | 11 | $9,035,000 | $821,000 | $2,205,000 | $381,000 | $1,095,000 |
| Other Purpose | 4 | $1,110,000 | $277,000 | $665,000 | $108,000 | $210,000 |
| Home Improvement | 3 | $1,505,000 | $501,000 | $1,135,000 | $853,000 | $2,367,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 92 | $98,460,000 | $1,070,000 | $12,105,000 | $91,000 | $176,000 |
| White | 90 | $87,030,000 | $967,000 | $3,255,000 | $476,000 | $2,367,000 |
| Asian | 15 | $16,245,000 | $1,083,000 | $2,285,000 | $370,000 | $800,000 |
| Not Provided | 13 | $11,615,000 | $893,000 | $2,005,000 | $414,000 | $1,204,000 |
| Hispanic | 11 | $9,415,000 | $855,000 | $1,405,000 | $346,000 | $832,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 221 | $222,765,000 | $1,007,000 | $12,105,000 | $417,000 | $2,367,000 |
| 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 | 151 | $186,005,000 | $1,231,000 | $12,105,000 | $491,000 | $2,367,000 |
| Loan Purchased By The Institution | 44 | $17,900,000 | $406,000 | $925,000 | $91,000 | $176,000 |
| Application Withdrawn By Applicant | 21 | $15,275,000 | $727,000 | $1,875,000 | $297,000 | $840,000 |
| Application Denied By Financial Institution | 3 | $2,785,000 | $928,000 | $1,385,000 | $148,000 | $270,000 |
| Application Approved But Not Accepted | 1 | $235,000 | $235,000 | $235,000 | $60,000 | $60,000 |
| File Closed For Incompleteness | 1 | $565,000 | $565,000 | $565,000 | $283,000 | $283,000 |
| 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 | 218 | $219,980,000 | $1,009,000 | $12,105,000 | $423,000 | $2,367,000 |
| Debt-To-Income Ratio | 2 | $2,190,000 | $1,095,000 | $1,385,000 | $88,000 | $92,000 |
| Collateral | 1 | $595,000 | $595,000 | $595,000 | $270,000 | $270,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 Northbrook Bank & Trust Company, N.A.'s 2025 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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