North Shore Trust And Savings Mortgage Rates, Fees & Info
Waukegan, ILLEI: 549300WIE2SKOKI8PF63
Tax ID: 36-1558290
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
North Shore Trust And Savings is a smaller mortgage company specializing in Home Purchase loans. North Shore Trust And Savings has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Chicago, Phoenix, Raleigh, Houston, and Milwaukee among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)North Shore Trust And Savings has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
71Origination Dollar Volume (All Markets)
$19,045,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 64 | $17,140,000 | $267,813 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 0.00% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $160,000 | $80,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 68 | $18,520,000 | $272,353 | $0 | 0.00% |
| FHA | 3 | $525,000 | $175,000 | $0 | 0.00% |
For 2022, North Shore Trust And Savings's most frequently originated type of loan was Conventional, with 68 originations. Their 2nd most popular type was FHA, with 3 originations.
Loan Reason
For 2022, North Shore Trust And Savings's most frequently cited loan purpose was Home Purchase, with 47 originations. The 2nd most popular reason was Cash Out Refi, with 15 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 71 | $19,045,000 | $268,239 | $0 | 0.00% |
For 2022, North Shore Trust And Savings's most frequently cited loan duration was Other, with 71 originations.
Loan Sizing
2022 saw North Shore Trust And Savings place emphasis on $200k-400k loans with 34 originations, totaling $9,070,000 in origination value.
Applicant Income
North Shore Trust And Savings lent most frequently to those with incomes in the $100k-150k range, with 17 originations. The second most popular income band? $75k-100k, with 16 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 71 | $19,045,000 | $268,239 | $0 | 0.00% |
North Shore Trust And Savings lent most frequently to those with DTI ratios of Exempt%, with 71 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications85.47%
North Shore Trust And Savings has an average approval rate.
Pick Rate
Approvals leading to origination73.24%
North Shore Trust And Savings has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 71 | $19,045,000 | $268,239 |