Holding a big gain
Its loans nearly tripled in 2024, from 101 to 297. In 2025 it made 294, down 1%, while similar lenders (savings institutions making between half and twice as many loans) grew 7%. Home purchases made up 72.1% of its loans.
Applications / Mortgage Analytics / Lenders / Illinois / North Shore Trust and Savings
North Shore Trust and Savings
Waukegan, IL · Savings institution · OCC · $267 million assets · 294 loans in 2025
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294
loans originated, 2025
506
applications, 2025
18
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
North Shore Trust and Savings, a Waukegan savings institution, has held on to the big gain of 2024 and makes government-backed loans that similar lenders typically do not.
A government-loan niche
Loans insured by the Federal Housing Administration (FHA) made up 10.2% of its book, up from 5.4% a year earlier; the typical similar lender made none. Its typical loan, $295,000, was larger than at more than two-thirds of its peers.
Diverse neighborhoods
Majority-minority neighborhoods took 17.7% of its loans, against 4.6% at similar lenders, more than at four in five of them. Low- and moderate-income (LMI) borrowers took 29.1%, against 24.2%. Its home-purchase denial rate, 3.9%, was lower than the 5.9% at similar lenders.
Far from home
For a lender its size it reaches far, with loans in 18 states and 29 metros. In 2025 it first lent in La Crosse-Onalaska, Atlanta-Sandy Springs-Alpharetta and non-metro Missouri. In Chicago-Naperville-Elgin, where it has lent since at least 1990, it ranks 138 of 902.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
294 loans in 2025, against a peak of 297 in 2024.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. North Shore Trust and Savings took 506 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
72.1% of its 2025 loans were purchase loans; 89.1% were conventional loans.
Purchase 72.1% · Refinance 25.2% · Other 1.7% · Home improvement 1.0%
Conventional 89.1% · FHA 10.2% · VA 0.7% · of 294 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
18 states, 29 metros, 51 counties
| State | Loans | Share |
|---|---|---|
| Illinois | 246 | 83.7% |
| Wisconsin | 21 | 7.1% |
| Florida | 6 | 2.0% |
| Indiana | 3 | 1.0% |
| South Carolina | 3 | 1.0% |
| Michigan | 2 | 0.7% |
| Tennessee | 2 | 0.7% |
| California | 1 | 0.3% |
| Colorado | 1 | 0.3% |
| Connecticut | 1 | 0.3% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 174 |
| Elgin | 33 |
| Lake County | 25 |
| Milwaukee-Waukesha | 9 |
| Rockford | 4 |
| Cape Coral-Fort Myers | 2 |
| Charleston-North Charleston | 2 |
| Janesville-Beloit | 2 |
| Peoria | 2 |
| Racine-Mount Pleasant | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WIE2SKOKI8PF63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 775773 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 4108 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1700108 | 2011–2017 |
Established 1 January 1921. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: North Shore Trust and Savings's data.
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