North Shore Bank
North Shore Bank received 1,506 applications in 2025 and made 941 mortgages, in 44 counties across 2 states. The median rate its borrowers got was 6.875% on a median loan of $145,000. Of 1,437 decisions, 472 were denials — 32.9%, most often for debt-to-income ratio. 4 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900PST6LLDPCKSN83 |
|---|---|
| Applications received | 1,506 |
| Mortgages made | 941 |
| Denied | 472 |
| Approved, not taken up | 24 |
| Withdrawn or incomplete | 69 |
| Loans bought from other lenders | 16 |
| Median rate spread over the prime offer rate | 0.31 points |
| FDIC-insured bank | Yes: North Shore Bank, 44 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 204 | 6.500% | $315,000 | 20.8% |
| Refinancing | 383 | 7.750% | $125,000 | 23.8% |
| Cash-out refinancing | 34 | 6.433% | $180,000 | 41.4% |
| Other purposes | 320 | 7.750% | $105,000 | 45.0% |
Where North Shore Bank lends most
The 44 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Milwaukee County, WI | 265 | 6.875% | 37.0% |
| Waukesha County, WI | 153 | 6.500% | 24.3% |
| Racine County, WI | 117 | 7.000% | 29.9% |
| Brown County, WI | 87 | 7.250% | 31.0% |
| Kenosha County, WI | 67 | 7.750% | 36.1% |
| Ozaukee County, WI | 46 | 6.688% | 22.2% |
| Door County, WI | 44 | 7.375% | 26.2% |
| Outagamie County, WI | 37 | 7.750% | 33.9% |
| Washington County, WI | 28 | 6.563% | 24.3% |
| Winnebago County, WI | 18 | 5.490% | 35.7% |
| Oconto County, WI | 16 | 7.063% | 42.9% |
| Shawano County, WI | 7 | Under 10 loans | 58.8% |
| Dodge County, WI | 6 | Under 10 loans | 33.3% |
| Jefferson County, WI | 5 | Under 10 loans | 16.7% |
| Walworth County, WI | 5 | Under 10 loans | 40.0% |
| Lake County, IL | 4 | Under 10 loans | 58.3% |
| McHenry County, IL | 3 | Under 10 loans | 69.2% |
| Rock County, WI | 3 | Under 10 loans | 25.0% |
| Wood County, WI | 3 | Under 10 loans | 0.0% |
| Calumet County, WI | 2 | Under 10 loans | 33.3% |
| Dane County, WI | 2 | Under 10 loans | 50.0% |
| Marinette County, WI | 2 | Under 10 loans | 60.0% |
| Vilas County, WI | 2 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 66.7% |
| Kane County, IL | 1 | Under 10 loans | 33.3% |
| Knox County, IL | 1 | Under 10 loans | 0.0% |
| Winnebago County, IL | 1 | Under 10 loans | 0.0% |
| Fond du Lac County, WI | 1 | Under 10 loans | 75.0% |
| Forest County, WI | 1 | Under 10 loans | 0.0% |
| Green County, WI | 1 | Under 10 loans | 0.0% |
| Green Lake County, WI | 1 | Under 10 loans | 50.0% |
| Juneau County, WI | 1 | Under 10 loans | 0.0% |
| Lincoln County, WI | 1 | Under 10 loans | 50.0% |
| Marathon County, WI | 1 | Under 10 loans | 0.0% |
| Portage County, WI | 1 | Under 10 loans | 0.0% |
| Price County, WI | 1 | Under 10 loans | 0.0% |
| Sauk County, WI | 1 | Under 10 loans | 0.0% |
| Sheboygan County, WI | 1 | Under 10 loans | 0.0% |
| Waupaca County, WI | 1 | Under 10 loans | 0.0% |
| DuPage County, IL | 0 | Under 10 loans | 100.0% |
| Iron County, WI | 0 | Under 10 loans | 100.0% |
| Manitowoc County, WI | 0 | Under 10 loans | Not published |
| Oneida County, WI | 0 | Under 10 loans | Not published |
| Waushara County, WI | 0 | Under 10 loans | 100.0% |
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When North Shore Bank’s figures are published for the next year, or restated.
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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.