North Shore Trust and Savings in Wisconsin vs the state
12.1%Denial rate-1.89 pts vs state
16.0%Decision denial rate-0.36 pts vs state
63.6%Origination rate-4.51 pts vs state
—Median rate
—Rate spread (pts)
$94kMedian applicant income
21Loans originated
4Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 13 | 7.1% | — | #437 |
| 2024 | 23 | 15 | 8.7% | — | #395 |
| 2025 | 33 | 21 | 12.1% | — | #381 |
What North Shore Trust and Savings lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most North Shore Trust and Savings applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 8 | 8 | 0 | 0.0% |
| Racine County | 5 | 2 | 2 | 40.0% |
| Kenosha County | 5 | 1 | 2 | 40.0% |
| Waukesha County | 5 | 1 | 0 | 0.0% |
| Walworth County | 4 | 3 | 0 | 0.0% |
| Rock County | 2 | 2 | 0 | 0.0% |
| La Crosse County | 1 | 1 | 0 | 0.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Winnebago 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: 33 applications in 2025, of which 21 were originated and 4 denied.
12.1% of all applications, or 16.0% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are North Shore Trust and Savings'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