Northbrook Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2023
In 2023, Northbrook Bank & Trust Company, N.A. of Northbrook, IL reported 88 mortgage applications totaling $89.6 million, down 11% from 2022. The average application was for $1,017,613, and applicants reported an average income of $393,215. 69% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Chicago-Naperville, IL (49), Lake County-Kenosha County, IL-WI (9) and Nassau County-Suffolk County, NY (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 | 88 |
| Total Mortgage Loan Application Amount | $89,550,000 |
| Average Mortgage Loan Application Amount | $1,017,613 |
| Highest Mortgage Loan Application Amount | $11,005,000 |
| Average Applicant Income | $393,215 |
| Highest Applicant Income | $2,107,000 |
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Northbrook Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023
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 | 61 | $65,785,000 | $1,078,000 | $11,005,000 | $412,000 | $2,107,000 |
| Refinancing | 18 | $19,150,000 | $1,063,000 | $4,245,000 | $428,000 | $1,526,000 |
| Cash-out Refinancing | 4 | $1,980,000 | $495,000 | $1,315,000 | $167,000 | $396,000 |
| Home Improvement | 4 | $2,580,000 | $645,000 | $855,000 | $257,000 | $489,000 |
| Other Purpose | 1 | $55,000 | $55,000 | $55,000 | $71,000 | $71,000 |
| 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 | $51,070,000 | $982,000 | $6,405,000 | $448,000 | $2,107,000 |
| Not applicable | 20 | $25,160,000 | $1,258,000 | $11,005,000 | $87,000 | $214,000 |
| Not Provided | 6 | $5,000,000 | $833,000 | $1,505,000 | $385,000 | $1,077,000 |
| Asian | 4 | $3,860,000 | $965,000 | $1,475,000 | $390,000 | $503,000 |
| Hispanic | 3 | $2,375,000 | $791,000 | $1,925,000 | $335,000 | $876,000 |
| Black or African American | 1 | $85,000 | $85,000 | $85,000 | $70,000 | $70,000 |
| 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) | 88 | $89,550,000 | $1,017,000 | $11,005,000 | $389,000 | $2,107,000 |
| 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 | 61 | $72,955,000 | $1,195,000 | $11,005,000 | $448,000 | $2,107,000 |
| Loan Purchased By The Institution | 11 | $4,575,000 | $415,000 | $1,115,000 | $87,000 | $214,000 |
| Application Withdrawn By Applicant | 9 | $7,285,000 | $809,000 | $1,165,000 | $406,000 | $1,020,000 |
| Application Denied By Financial Institution | 5 | $3,415,000 | $683,000 | $1,005,000 | $234,000 | $441,000 |
| File Closed For Incompleteness | 2 | $1,320,000 | $660,000 | $805,000 | $282,000 | $356,000 |
| 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 | 83 | $86,135,000 | $1,037,000 | $11,005,000 | $398,000 | $2,107,000 |
| Debt-To-Income Ratio | 3 | $1,825,000 | $608,000 | $1,005,000 | $256,000 | $441,000 |
| Collateral | 1 | $825,000 | $825,000 | $825,000 | $251,000 | $251,000 |
| Credit History | 1 | $765,000 | $765,000 | $765,000 | $175,000 | $175,000 |
| 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 Northbrook Bank & Trust Company, N.A.'s 2023 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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