Northbrook Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2022
In 2022, Northbrook Bank & Trust Company, N.A. of Northbrook, IL reported 99 mortgage applications totaling $80.4 million. The average application was for $812,171, and applicants reported an average income of $400,838. 79% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Chicago-Naperville, IL (75), Lake County-Kenosha County, IL-WI (15) and Naples-Immokalee-Marco Island, FL (3) (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 | 99 |
| Total Mortgage Loan Application Amount | $80,405,000 |
| Average Mortgage Loan Application Amount | $812,171 |
| Highest Mortgage Loan Application Amount | $7,205,000 |
| Average Applicant Income | $400,838 |
| Highest Applicant Income | $3,669,000 |
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Northbrook Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Northbrook Bank & Trust Company, N.A. 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 | 59 | $55,645,000 | $943,000 | $7,205,000 | $487,000 | $3,669,000 |
| Refinancing | 22 | $14,380,000 | $653,000 | $1,805,000 | $258,000 | $850,000 |
| Cash-out Refinancing | 10 | $4,910,000 | $491,000 | $945,000 | $189,000 | $369,000 |
| Home Improvement | 4 | $3,550,000 | $887,000 | $1,435,000 | $421,000 | $1,115,000 |
| Other Purpose | 4 | $1,920,000 | $480,000 | $755,000 | $425,000 | $1,221,000 |
| 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 | 52 | $36,070,000 | $693,000 | $3,485,000 | $415,000 | $3,669,000 |
| Not applicable | 25 | $26,645,000 | $1,065,000 | $7,205,000 | $55,000 | $79,000 |
| Hispanic | 7 | $5,255,000 | $750,000 | $2,735,000 | $403,000 | $2,007,000 |
| Asian | 5 | $5,635,000 | $1,127,000 | $3,745,000 | $878,000 | $3,186,000 |
| Not Provided | 4 | $2,680,000 | $670,000 | $995,000 | $326,000 | $580,000 |
| Black or African American | 1 | $475,000 | $475,000 | $475,000 | $220,000 | $220,000 |
| 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) | 99 | $80,405,000 | $812,000 | $7,205,000 | $404,000 | $3,669,000 |
| 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 | 78 | $66,260,000 | $849,000 | $7,205,000 | $450,000 | $3,669,000 |
| Application Withdrawn By Applicant | 12 | $9,970,000 | $830,000 | $1,435,000 | $301,000 | $664,000 |
| Loan Purchased By The Institution | 6 | $2,870,000 | $478,000 | $1,285,000 | $55,000 | $79,000 |
| Application Denied By Financial Institution | 2 | $950,000 | $475,000 | $675,000 | $554,000 | $649,000 |
| File Closed For Incompleteness | 1 | $355,000 | $355,000 | $355,000 | $149,000 | $149,000 |
| Application Approved But Not Accepted | 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 | 97 | $79,455,000 | $819,000 | $7,205,000 | $400,000 | $3,669,000 |
| Collateral | 1 | $275,000 | $275,000 | $275,000 | $460,000 | $460,000 |
| Credit History | 1 | $675,000 | $675,000 | $675,000 | $649,000 | $649,000 |
| Debt-To-Income Ratio | 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 |
| 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 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 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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