Northbrook Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2024
In 2024, Northbrook Bank & Trust Company, N.A. of Northbrook, IL reported 106 mortgage applications totaling $112.9 million, up 20% from 2023. The average application was for $1,065,094, and applicants reported an average income of $362,783. 73% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Chicago-Naperville, IL (71), Lake County-Kenosha County, IL-WI (6) and Salt Lake City, UT (4) (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 | 106 |
| Total Mortgage Loan Application Amount | $112,900,000 |
| Average Mortgage Loan Application Amount | $1,065,094 |
| Highest Mortgage Loan Application Amount | $22,505,000 |
| Average Applicant Income | $362,783 |
| Highest Applicant Income | $1,881,000 |
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Northbrook Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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 | 63 | $59,665,000 | $947,000 | $5,595,000 | $386,000 | $1,881,000 |
| Refinancing | 36 | $51,960,000 | $1,443,000 | $22,505,000 | $355,000 | $905,000 |
| Cash-out Refinancing | 6 | $1,110,000 | $185,000 | $335,000 | $217,000 | $951,000 |
| Other Purpose | 1 | $165,000 | $165,000 | $165,000 | $55,000 | $55,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 46 | $66,040,000 | $1,435,000 | $22,505,000 | $102,000 | $300,000 |
| White | 45 | $34,805,000 | $773,000 | $2,705,000 | $396,000 | $1,881,000 |
| Asian | 7 | $6,365,000 | $909,000 | $1,615,000 | $687,000 | $1,418,000 |
| Hispanic | 4 | $2,820,000 | $705,000 | $1,255,000 | $373,000 | $450,000 |
| Not Provided | 4 | $2,870,000 | $717,000 | $825,000 | $317,000 | $527,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 106 | $112,900,000 | $1,065,000 | $22,505,000 | $361,000 | $1,881,000 |
| 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 | 77 | $96,845,000 | $1,257,000 | $22,505,000 | $394,000 | $1,418,000 |
| Loan Purchased By The Institution | 15 | $3,375,000 | $225,000 | $955,000 | $102,000 | $300,000 |
| Application Withdrawn By Applicant | 11 | $10,185,000 | $925,000 | $1,615,000 | $588,000 | $1,881,000 |
| File Closed For Incompleteness | 2 | $1,830,000 | $915,000 | $1,055,000 | $290,000 | $374,000 |
| Application Denied By Financial Institution | 1 | $665,000 | $665,000 | $665,000 | $220,000 | $220,000 |
| 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 | 105 | $112,235,000 | $1,068,000 | $22,505,000 | $363,000 | $1,881,000 |
| Collateral | 1 | $665,000 | $665,000 | $665,000 | $220,000 | $220,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| 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 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 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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