North Shore Bank mortgage approval rate & lending review
North Shore Bank decided 2,631 mortgage applications and funded 1,762 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions North Shore Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
North Shore Bank at a glance
Approval is 5.4 points below the 74.3% 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 | 73% | 378 / 518 | 96% | $255K | 364 |
| Home improvement loans | 57% | 438 / 773 | 97% | $85K | 426 |
| Cash-out refinance | 60% | 80 / 133 | 94% | $175K | 75 |
| Refinance | 78% | 853 / 1,099 | 98% | $105K | 838 |
| Investment property purchase | 80% | 40 / 50 | 90% | $215K | 36 |
| Investment cash-out refinance | 45% | 14 / 31 | 93% | $85K | 13 |
North Shore Bank lending by state
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 lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Milwaukee County, WI | Refinance | 75% | 393 | 289 |
| Milwaukee County, WI | Home improvement loans | 54% | 313 | 166 |
| Waukesha County, WI | Refinance | 82% | 194 | 159 |
| Racine County, WI | Refinance | 80% | 163 | 128 |
| Milwaukee County, WI | Mortgage lenders | 70% | 169 | 117 |
| Brown County, WI | Refinance | 85% | 116 | 98 |
| Waukesha County, WI | Home improvement loans | 67% | 129 | 87 |
| Racine County, WI | Mortgage lenders | 74% | 90 | 64 |
| Waukesha County, WI | Mortgage lenders | 69% | 94 | 61 |
| Kenosha County, WI | Refinance | 74% | 76 | 55 |
| Racine County, WI | Home improvement loans | 58% | 95 | 50 |
| Outagamie County, WI | Refinance | 79% | 57 | 44 |
The county markets where North Shore Bank made the most loans. Each link opens that market with every lender ranked.
Questions about North Shore Bank
What is North Shore Bank's mortgage approval rate?
North Shore Bank approved 68.9% of the 2,631 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.4 points below the 74.3% national rate for the same mix of loan types.
How often do borrowers take the loan North Shore Bank offers?
Borrowers accepted 97% of the loans North Shore Bank approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does North Shore Bank make?
The typical mortgage refinance loan North Shore Bank made was $105K; across all loan types its typical loan ran from $85K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does North Shore Bank lend?
North Shore Bank decided applications in 2 of the states Fat Boy Data covers, most of them in Wisconsin and Illinois.
Can I apply to North Shore Bank directly?
Yes. North Shore Bank is a bank or credit union with 43 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show North Shore Bank'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 treats applications, then get a rate quote from the lender.