North Shore Bank of Commerce mortgage approval rate & lending review
North Shore Bank of Commerce decided 1,235 mortgage applications and funded 1,164 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions North Shore Bank of Commerce reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
North Shore Bank of Commerce at a glance
Approval is 11.8 points above the 84.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 928 / 937 | 98% | $265K | 905 |
| Home improvement loans | 81% | 38 / 47 | 92% | $45K | 35 |
| Cash-out refinance | 84% | 54 / 64 | 98% | $225K | 53 |
| Refinance | 83% | 40 / 48 | 95% | $245K | 38 |
| Investment property purchase | 99% | 116 / 117 | 98% | $195K | 114 |
North Shore Bank of Commerce lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Minnesota | 97% | $265K | 1,219 | 1,150 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where North Shore Bank of Commerce lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| St. Louis County, MN | Mortgage lenders | 99% | 902 | 876 |
| St. Louis County, MN | Investment property purchase | 99% | 109 | 107 |
| St. Louis County, MN | Cash-out refinance | 84% | 64 | 53 |
| St. Louis County, MN | Refinance | 83% | 47 | 37 |
| St. Louis County, MN | Home improvement loans | 81% | 47 | 35 |
The county markets where North Shore Bank of Commerce made the most loans. Each link opens that market with every lender ranked.
Questions about North Shore Bank of Commerce
What is North Shore Bank of Commerce's mortgage approval rate?
North Shore Bank of Commerce approved 96.8% of the 1,235 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.8 points above the 84.9% national rate for the same mix of loan types.
How often do borrowers take the loan North Shore Bank of Commerce offers?
Borrowers accepted 97% of the loans North Shore Bank of Commerce approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does North Shore Bank of Commerce make?
The typical home purchase mortgage loan North Shore Bank of Commerce made was $265K; across all loan types its typical loan ran from $45K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does North Shore Bank of Commerce lend?
North Shore Bank of Commerce decided applications in 10 of the states Fat Boy Data covers, most of them in Minnesota, Florida and Arizona.
Can I apply to North Shore Bank of Commerce directly?
Yes. North Shore Bank of Commerce is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show North Shore Bank of Commerce's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how North Shore Bank of Commerce treats applications, then get a rate quote from the lender.