The North Side Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
92nd10.6% deniedPricingmedian rate spread over APOR, weight 30%
72nd-0.26 ptsProcesswithdrawn + incomplete share, weight 15%
94th2.4%Closing coststotal loan costs ÷ loan amount, weight 10%
88th1.31% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 581 | 450 | 15.0% | 15.2% | 7.50% | $62M |
| 2024 | 556 | 433 | 13.5% | 14.2% | 8.00% | $74M |
| 2025 | 533 | 434 | 10.3% | 10.6% | 7.00% | $88M |
What The North Side Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 378 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 11 investment properties.
Why The North Side Bank & Trust denies applications
Primary reason reported for each of the 55 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at The North Side Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 27 | 11 | 44.4% |
| $50k – $100k | 100 | 73 | 20.4% |
| $100k – $150k | 113 | 92 | 10.1% |
| $150k – $250k | 126 | 113 | 4.8% |
| Over $250k | 141 | 122 | 2.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 72 | 59 | 11.3% |
| 35–44 | 176 | 149 | 9.3% |
| 45–54 | 106 | 90 | 6.8% |
| 55–64 | 95 | 68 | 17.6% |
| 65–74 | 54 | 44 | 5.8% |
| Over 74 | 23 | 18 | 17.4% |
Where The North Side Bank & Trust lends
3 states and 9 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
The North Side Bank & Trust denied 10.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 92nd percentile of home-equity (HELOC) lenders.
The most common reason The North Side Bank & Trust gave in 2025 was "debt-to-income ratio", cited on 52.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans The North Side Bank & Trust originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was -0.26 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 29% of its applications were for home purchases, 23% for refinancing (including cash-out), and 47% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.