North Shore Bank of Commerce in Wisconsin vs the state
6.5%Denial rate-7.52 pts vs state
6.8%Decision denial rate-9.60 pts vs state
80.5%Origination rate+12.37 pts vs state
6.38%Median rate-0.25 pts vs state
0.19Rate spread (pts)+0.07 pts vs state
$93kMedian applicant income
62Loans originated
5Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 65 | 63 | 1.5% | 6.50% | #277 |
| 2024 | 60 | 50 | 8.3% | 6.88% | #299 |
| 2025 | 77 | 62 | 6.5% | 6.38% | #286 |
What North Shore Bank of Commerce lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most North Shore Bank of Commerce applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 73 | 58 | 5 | 6.8% |
| Bayfield County | 2 | 2 | 0 | 0.0% |
| Burnett County | 1 | 1 | 0 | 0.0% |
| Sawyer County | 1 | 1 | 0 | 0.0% |
Other large lenders in Wisconsin
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Summit Credit Union | A | 15,483 | 13.8% | 6.75% |
| University of Wisconsin Credit Union | A | 11,781 | 13.8% | 6.50% |
| Landmark Credit Union | A | 9,393 | 17.7% | 6.50% |
| Rocket Mortgage | C | 7,819 | 18.0% | 6.63% |
| Associated Bank | B | 7,451 | 23.7% | 6.88% |
| BMO Bank | F | 5,202 | 25.3% | 8.23% |
| Educators Credit Union | B | 4,930 | 24.3% | 6.95% |
| U.S. Bank | D | 4,710 | 26.0% | 6.88% |
| Covantage Credit Union | B | 4,581 | 7.7% | 6.50% |
| United Shore Financial Services | B | 4,421 | 11.8% | 6.38% |
Frequently asked questions
Wisconsin: 77 applications in 2025, of which 62 were originated and 5 denied.
6.5% of all applications, or 6.8% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans North Shore Bank of Commerce originated in Wisconsin in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are North Shore Bank of Commerce's own HMDA filing for properties located in Wisconsin, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology