North Shore Federal Credit Union
North Shore Federal Credit Union received 468 applications in 2025 and made 235 mortgages, in 20 counties across 3 states. The median rate its borrowers got was 6.250% on a median loan of $175,000. Of 262 decisions, 27 were denials — 10.3%, most often for credit history.
| Legal Entity Identifier | 25490091LXRCWGWGZ525 |
|---|---|
| Applications received | 468 |
| Mortgages made | 235 |
| Denied | 27 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 206 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.205 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 137 | 6.250% | $225,000 | 9.9% |
| Refinancing | 38 | 6.500% | $75,000 | 15.6% |
| Cash-out refinancing | 59 | 6.250% | $105,000 | 6.4% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 50.0% |
Where North Shore Federal Credit Union lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lake County, MN | 79 | 6.250% | 11.2% |
| St. Louis County, MN | 79 | 6.250% | 15.0% |
| Cook County, MN | 55 | 6.250% | 3.5% |
| Carlton County, MN | 9 | Under 10 loans | 10.0% |
| Douglas County, WI | 4 | Under 10 loans | 0.0% |
| Hennepin County, MN | 3 | Under 10 loans | 0.0% |
| Itasca County, MN | 1 | Under 10 loans | 0.0% |
| Koochiching County, MN | 1 | Under 10 loans | 0.0% |
| Pine County, MN | 1 | Under 10 loans | 0.0% |
| Wabasha County, MN | 1 | Under 10 loans | 0.0% |
| Washington County, MN | 1 | Under 10 loans | 0.0% |
| Waukesha County, WI | 1 | Under 10 loans | 0.0% |
| Arapahoe County, CO | 0 | Under 10 loans | Not published |
| Aitkin County, MN | 0 | Under 10 loans | Not published |
| Anoka County, MN | 0 | Under 10 loans | Not published |
| Meeker County, MN | 0 | Under 10 loans | Not published |
| Mille Lacs County, MN | 0 | Under 10 loans | Not published |
| Ramsey County, MN | 0 | Under 10 loans | Not published |
| Bayfield County, WI | 0 | Under 10 loans | Not published |
| Milwaukee County, WI | 0 | Under 10 loans | Not published |
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When North Shore Federal Credit Union’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.