North Shore Bank of Commerce
North Shore Bank of Commerce received 671 applications in 2025 and made 556 mortgages, in 27 counties across 5 states. The median rate its borrowers got was 6.625% on a median loan of $245,000. Of 628 decisions, 32 were denials — 5.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300TWX5Q3V5VXNF89 |
|---|---|
| Applications received | 671 |
| Mortgages made | 556 |
| Denied | 32 |
| Approved, not taken up | 40 |
| Withdrawn or incomplete | 43 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.28 points |
| FDIC-insured bank | Yes: North Shore Bank of Commerce, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 484 | 6.625% | $255,000 | 2.1% |
| Refinancing | 23 | 6.500% | $265,000 | 17.2% |
| Cash-out refinancing | 27 | 6.625% | $205,000 | 24.4% |
| Other purposes | 22 | 7.750% | $110,000 | 20.7% |
Where North Shore Bank of Commerce lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| St. Louis County, MN | 371 | 6.625% | 3.7% |
| Douglas County, WI | 58 | 6.375% | 7.1% |
| Itasca County, MN | 48 | 6.625% | 13.8% |
| Carlton County, MN | 45 | 6.625% | 1.8% |
| Lake County, MN | 13 | 6.500% | 13.3% |
| Ramsey County, MN | 3 | Under 10 loans | 0.0% |
| Cook County, MN | 2 | Under 10 loans | 0.0% |
| Bayfield County, WI | 2 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Beltrami County, MN | 1 | Under 10 loans | 0.0% |
| Crow Wing County, MN | 1 | Under 10 loans | 0.0% |
| Dakota County, MN | 1 | Under 10 loans | 0.0% |
| Fillmore County, MN | 1 | Under 10 loans | 0.0% |
| Goodhue County, MN | 1 | Under 10 loans | 0.0% |
| McLeod County, MN | 1 | Under 10 loans | 0.0% |
| Olmsted County, MN | 1 | Under 10 loans | 0.0% |
| Pine County, MN | 1 | Under 10 loans | 0.0% |
| Washington County, MN | 1 | Under 10 loans | 0.0% |
| Beaufort County, SC | 1 | Under 10 loans | 0.0% |
| Burnett County, WI | 1 | Under 10 loans | 0.0% |
| Sawyer County, WI | 1 | Under 10 loans | 0.0% |
| Cass County, MN | 0 | Under 10 loans | Not published |
| Hennepin County, MN | 0 | Under 10 loans | 0.0% |
| Koochiching County, MN | 0 | Under 10 loans | 0.0% |
| Cumberland County, TN | 0 | Under 10 loans | 0.0% |
| Williamson County, TN | 0 | Under 10 loans | 100.0% |
Get told when this changes
When North Shore Bank of Commerce’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.