North Shore Bank Fsb Mortgage Rates, Fees & Info

Brookfield, WI

LEI: 254900PST6LLDPCKSN83

Tax ID: 39-0506400

5 stars - Updated: 4/5/25 - out of 5 stars, based on 30 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    North Shore Bank Fsb is a smaller bank specializing in Refi and Home Purchase loans. North Shore Bank Fsb has a high proportion of conventional loans. Their top markets by origination volume include: Milwaukee, Appleton, Watertown, Chicago, and Racine among others. We have data for 22 markets. (Some data included below & more in-depth data is available with an active subscription.)

    North Shore Bank Fsb has a below average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders. North Shore Bank Fsb is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 5.69% 4/5/25
    30 Year Conventional Purchase 6.95% 4/5/25
    30 Year Conventional Refi 6.68% 4/5/25
    30 Year Cash-out Refi 7.10% 4/5/25
    30 Year VA Purchase 6.93% 4/5/25
    15 Year Conventional Purchase 6.05% 4/5/25
    15 Year Conventional Refi 6.19% 4/5/25
    15 Year Cash-out Refi 6.19% 4/5/25
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    North Shore Bank Fsb Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from North Shore Bank Fsb. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    920

    Origination Dollar Volume (All Markets)

    $232,850,000

    Awards

    North Shore Bank FSB 30 Year Conventional Loans silver
    Show all (1) awards

    Relative Rate

    North Shore Bank Fsb's average 30 year fixed mortgage rate was 6.82%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of 0.27%.

    Relative Fees (Closing Costs)

    North Shore Bank Fsb's average total fees/closing costs for a 30 year fixed rate mortgage were $3,357.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 498 $85,580,000 $171,847 $3,284 6.66%
    APPLETON, WI (FHA|USDA|VA) 33 $26,275,000 $796,212 $3,149 6.84%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 5 $25,565,000 $5,113,000 $4,149 6.77%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 67 $18,945,000 $282,761 $3,394 6.54%
    Outside of Metro Areas 59 $17,715,000 $300,254 $3,978 6.76%
    RACINE, WI (FHA|USDA|VA) 101 $14,155,000 $140,149 $4,098 6.78%
    GREEN BAY, WI (FHA|USDA|VA) 95 $12,825,000 $135,000 $2,705 6.86%
    Stevens Point, WI (FHA|USDA|VA) 2 $12,190,000 $6,095,000 $3,257 6.75%
    Beaver Dam, WI (FHA|USDA|VA) 7 $5,895,000 $842,143 $3,300 7.02%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 14 $4,100,000 $292,857 $3,058 6.88%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $2,365,000 $2,365,000 $0 6.50%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $2,270,000 $1,135,000 $3,082 6.94%
    Shawano, WI (FHA|USDA|VA) 7 $1,305,000 $186,429 $3,519 6.88%
    Whitewater, WI (FHA|USDA|VA) 7 $1,145,000 $163,571 $4,507 5.98%
    FOND DU LAC, WI (FHA|USDA|VA) 3 $735,000 $245,000 $3,189 6.74%
    Manitowoc, WI (FHA|USDA|VA) 5 $495,000 $99,000 $3,071 7.32%
    SHEBOYGAN, WI (FHA|USDA|VA) 4 $480,000 $120,000 $0 6.30%
    Marinette, WI-MI (FHA|USDA|VA) 4 $250,000 $62,500 $0 6.58%
    MADISON, WI (FHA|USDA|VA) 3 $245,000 $81,667 $2,968 6.66%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $145,000 $145,000 $2,947 6.99%
    ROCKFORD, IL (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.85%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.85%
    North Shore Bank Fsb's top markets include Milwaukee, Appleton, Watertown, Chicago, and Racine among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against North Shore Bank FSB based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    N.E.W. Credit Union
    Similarity Rank: 15
    First Savings Bank of Hegewisch
    Similarity Rank: 36
    Glacier Hills Credit Union
    Similarity Rank: 49
    PCM
    Similarity Rank: 55
    Liberty Bank for Savings
    Similarity Rank: 79
    NORTHWESTERN MUTUAL
    Similarity Rank: 91
    PROSPERA Credit Union
    Similarity Rank: 168
    UNISON CREDIT UNION
    Similarity Rank: 182
    Westbury Bank
    Similarity Rank: 220
    FINANCIAL PLUS
    Similarity Rank: 288

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 716 $79,160,000 $110,559 n/a 6.68%
    Conventional 203 $153,495,000 $756,133 $3,376 6.77%
    VA 1 $195,000 $195,000 $5,745 6.63%

    For 2024, North Shore Bank Fsb's most frequently originated type of loan was HELOC, with 716 originations. Their 2nd most popular type was Conventional, with 203 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 342 $52,990,000 $154,942 $2,473 6.77%
    Other 195 $17,755,000 $91,051 $2,075 6.71%
    Home Improvement 193 $17,555,000 $90,959 $1,971 6.47%
    Home Purchase 157 $138,655,000 $883,153 $3,732 6.80%
    Cash Out Refi 33 $5,895,000 $178,636 $2,628 6.84%

    For 2024, North Shore Bank Fsb's most frequently cited loan purpose was Refi, with 342 originations. The 2nd most popular reason was Other, with 195 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 740 $155,460,000 $210,081 $0 6.69%
    30 Year 152 $48,030,000 $315,987 $3,357 6.82%
    15 Year 16 $3,140,000 $196,250 $3,734 6.08%
    Other 7 $5,465,000 $780,714 $0 6.95%
    20 Year 4 $630,000 $157,500 $3,190 6.65%
    5 Year 1 $20,125,000 $20,125,000 $0 6.50%

    For 2024, North Shore Bank Fsb's most frequently cited loan duration was 10 Year, with 740 originations. The 2nd most popular length was 30 Year, with 152 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 126 $41,080,000 $326,032
    $1k-2k 20 $5,010,000 $250,500
    $5k+ 4 $1,630,000 $407,500
    $2k-3k 3 $565,000 $188,333
    $3k-4k 3 $755,000 $251,667
    $4k-5k 2 $550,000 $275,000

    North Shore Bank Fsb's average total fees were $3,357, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 126 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 500 $57,780,000 $115,560
    Over 8% 178 $19,110,000 $107,360
    6-7% 153 $135,015,000 $882,451
    7-8% 88 $20,890,000 $237,386

    During 2024, North Shore Bank Fsb's average interest rate for loans was 6.82%, while their most frequently originated rate bucket for loans was 5-6%, with 500 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 362 $20,440,000 $56,464 $2,435 6.71%
    $100k-200k 361 $48,185,000 $133,476 $2,843 6.69%
    $200k-400k 123 $33,545,000 $272,724 $3,380 6.70%
    $400k-600k 34 $16,660,000 $490,000 $3,534 6.78%
    $1MM+ 20 $99,500,000 $4,975,000 $5,136 6.77%
    $600k-1MM 20 $14,520,000 $726,000 $5,956 6.66%

    2024 saw North Shore Bank Fsb place emphasis on $100,000 or less loans with 362 originations, totaling $20,440,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 227 $33,875,000 $149,229 $3,241 6.60%
    $50k-75k 198 $18,680,000 $94,343 $3,020 6.73%
    $75k-100k 159 $19,005,000 $119,528 $3,432 6.85%
    $150k-250k 155 $29,405,000 $189,710 $3,579 6.50%
    $50k or less 75 $5,015,000 $66,867 $2,540 7.01%
    $250k+ 61 $23,095,000 $378,607 $5,108 6.69%

    North Shore Bank Fsb lent most frequently to those with incomes in the $100k-150k range, with 227 originations. The second most popular income band? $50k-75k, with 198 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 192 $28,120,000 $146,458 $3,058 6.70%
    30-36% 158 $21,270,000 $134,620 $3,900 6.64%
    44% 74 $6,980,000 $94,324 $5,011 6.54%
    <20% 68 $8,400,000 $123,529 $2,591 6.81%
    43% 50 $5,710,000 $114,200 $3,339 6.82%
    38% 44 $6,670,000 $151,591 $3,169 6.80%
    41% 39 $5,025,000 $128,846 $3,676 6.58%
    42% 37 $4,025,000 $108,784 $4,210 6.67%
    39% 36 $6,410,000 $178,056 $3,089 6.72%
    36% 35 $4,785,000 $136,714 $3,019 6.53%
    40% 35 $4,775,000 $136,429 $3,112 6.92%
    37% 27 $3,175,000 $117,593 $3,182 6.62%
    45% 20 $3,620,000 $181,000 $2,796 6.88%
    50-60% 17 $7,975,000 $469,118 $3,849 6.78%
    >60% 12 $6,650,000 $554,167 $3,987 6.99%
    47% 12 $1,710,000 $142,500 $3,224 6.65%
    46% 11 $1,425,000 $129,545 $2,565 6.53%
    48% 10 $1,720,000 $172,000 $2,988 6.84%
    49% 9 $1,845,000 $205,000 $3,225 6.49%

    North Shore Bank Fsb lent most frequently to those with DTI ratios of 20-30%, with 192 originations. The next most common DTI ratio? 30-36%, with 158 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 823 $124,905,000 $151,768 $3,378 6.68%
    Not applicable 30 $99,640,000 $3,321,333 $2,046 6.91%
    Not provided 35 $5,275,000 $150,714 $3,678 6.78%
    Asian 9 $1,305,000 $145,000 $4,947 6.79%
    Black 17 $1,105,000 $65,000 $2,903 7.05%
    American Indian 4 $410,000 $102,500 $0 7.37%
    Asian Indian 1 $115,000 $115,000 $0 5.85%
    Filipino 1 $95,000 $95,000 $2,767 6.13%

    Approval Rates

    Total approvals of all applications
    66.97%

    North Shore Bank Fsb has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    90.11%

    North Shore Bank Fsb has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 920 $232,850,000 $253,098

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    920 $232,850,000 $253,098

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 353 $46,765,000 $132,479 $2,607 6.69%
    40-60% 145 $41,535,000 $286,448 $2,914 6.78%
    60-80% 105 $106,325,000 $1,012,619 $3,286 6.74%
    80-100% 57 $18,155,000 $318,509 $4,060 6.80%
    Over 100% 2 $350,000 $175,000 $4,272 6.81%
    Under 20% 258 $19,720,000 $76,434 $1,814 6.64%