North Shore Bank in Wisconsin vs the state
30.7%Denial rate+16.72 pts vs state
32.2%Decision denial rate+15.86 pts vs state
63.2%Origination rate-4.93 pts vs state
6.99%Median rate+0.37 pts vs state
0.31Rate spread (pts)+0.19 pts vs state
$96kMedian applicant income
930Loans originated
452Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,289 | 827 | 29.3% | 7.63% | #27 |
| 2024 | 1,479 | 899 | 32.6% | 5.85% | #32 |
| 2025 | 1,471 | 930 | 30.7% | 6.99% | #36 |
What North Shore Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most North Shore Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 456 | 265 | 160 | 35.1% |
| Waukesha County | 210 | 153 | 49 | 23.3% |
| Racine County | 184 | 117 | 53 | 28.8% |
| Brown County | 130 | 87 | 39 | 30.0% |
| Kenosha County | 115 | 67 | 39 | 33.9% |
| Ozaukee County | 63 | 46 | 14 | 22.2% |
| Door County | 63 | 44 | 16 | 25.4% |
| Outagamie County | 56 | 37 | 19 | 33.9% |
| Washington County | 41 | 28 | 9 | 22.0% |
| Winnebago County | 32 | 18 | 10 | 31.3% |
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: 1,471 applications in 2025, of which 930 were originated and 452 denied.
30.7% of all applications, or 32.2% 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 originated in Wisconsin in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are North Shore Bank'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