North Shore Bank Fsb Mortgage Rates, Fees & Info

Brookfield, WI

LEI: 254900PST6LLDPCKSN83

Tax ID: 39-0506400

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • 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, Racine, Green Bay, Chicago, and Stevens Point 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 an 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 5.56% 11/21/24
    30 Year Conventional Purchase 6.56% 11/21/24
    30 Year Conventional Refi 6.42% 11/21/24
    30 Year Cash-out Refi 6.66% 11/21/24
    30 Year VA Purchase 6.20% 11/21/24
    15 Year Conventional Purchase 5.98% 11/21/24
    15 Year Conventional Refi 6.12% 11/21/24
    15 Year Cash-out Refi 6.12% 11/21/24
    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

    1,049

    Origination Dollar Volume (All Markets)

    $326,475,000
    Show all (9) awards

    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) 531 $155,175,000 $292,232 $2,113 4.46%
    Outside of Metro Areas 92 $38,180,000 $415,000 $2,307 4.38%
    RACINE, WI (FHA|USDA|VA) 123 $25,365,000 $206,220 $1,923 4.78%
    GREEN BAY, WI (FHA|USDA|VA) 113 $24,085,000 $213,142 $1,924 4.50%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 87 $20,745,000 $238,448 $2,220 4.57%
    Stevens Point, WI (FHA|USDA|VA) 2 $13,010,000 $6,505,000 $2,039 4.06%
    MADISON, WI (FHA|USDA|VA) 2 $12,560,000 $6,280,000 $3,818 3.62%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $12,365,000 $12,365,000 $0 3.63%
    APPLETON, WI (FHA|USDA|VA) 44 $8,450,000 $192,045 $3,040 4.54%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 14 $5,070,000 $362,143 $1,825 4.48%
    SHEBOYGAN, WI (FHA|USDA|VA) 3 $3,105,000 $1,035,000 $0 3.69%
    FOND DU LAC, WI (FHA|USDA|VA) 1 $1,975,000 $1,975,000 $0 3.13%
    Whitewater, WI (FHA|USDA|VA) 11 $1,855,000 $168,636 $1,954 5.59%
    Beaver Dam, WI (FHA|USDA|VA) 1 $1,285,000 $1,285,000 $0 5.25%
    Shawano, WI (FHA|USDA|VA) 6 $690,000 $115,000 $1,716 4.02%
    Marinette, WI-MI (FHA|USDA|VA) 5 $635,000 $127,000 $1,564 4.82%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 4 $620,000 $155,000 $2,668 4.18%
    Manitowoc, WI (FHA|USDA|VA) 4 $540,000 $135,000 $1,937 4.63%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 2 $490,000 $245,000 $1,921 3.94%
    EAU CLAIRE, WI (FHA|USDA|VA) 1 $145,000 $145,000 $1,949 4.13%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $85,000 $85,000 $2,263 4.75%
    ROCKFORD, IL (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.75%
    North Shore Bank Fsb's top markets include Milwaukee, Racine, Green Bay, Chicago, and Stevens Point 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.

    First Savings Bank of Hegewisch
    Similarity Rank: 64
    PCM
    Similarity Rank: 65
    NORTHWESTERN MUTUAL
    Similarity Rank: 70
    UNISON CREDIT UNION
    Similarity Rank: 70
    Empower Credit Union
    Similarity Rank: 81
    PROSPERA Credit Union
    Similarity Rank: 84
    Liberty Bank for Savings
    Similarity Rank: 116
    Fox Valley Savings Bank
    Similarity Rank: 130
    Denmark State Bank
    Similarity Rank: 198
    FINANCIAL PLUS
    Similarity Rank: 198

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 635 $67,335,000 $106,039 n/a 4.65%
    Conventional 409 $257,985,000 $630,770 $2,087 4.32%
    VA 5 $1,155,000 $231,000 $4,174 3.70%

    For 2022, North Shore Bank Fsb's most frequently originated type of loan was HELOC, with 635 originations. Their 2nd most popular type was Conventional, with 409 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 393 $76,575,000 $194,847 $1,803 4.58%
    Home Purchase 273 $208,495,000 $763,718 $2,229 4.47%
    Other 157 $13,065,000 $83,217 $1,549 4.65%
    Home Improvement 123 $9,215,000 $74,919 $0 4.53%
    Cash Out Refi 103 $19,125,000 $185,680 $2,085 4.13%

    For 2022, North Shore Bank Fsb's most frequently cited loan purpose was Refi, with 393 originations. The 2nd most popular reason was Home Purchase, with 273 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 677 $235,085,000 $347,245 $1,597 4.63%
    30 Year 292 $70,780,000 $242,397 $2,132 4.45%
    15 Year 57 $8,105,000 $142,193 $2,082 3.61%
    20 Year 16 $3,240,000 $202,500 $2,142 3.95%
    Other 5 $5,355,000 $1,071,000 $0 4.07%
    1 Year 1 $505,000 $505,000 $0 4.63%
    5 Year 1 $3,405,000 $3,405,000 $0 4.13%

    For 2022, North Shore Bank Fsb's most frequently cited loan duration was 10 Year, with 677 originations. The 2nd most popular length was 30 Year, with 292 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 314 $72,720,000 $231,592
    $1k-2k 18 $3,380,000 $187,778
    $2k-3k 7 $1,595,000 $227,857
    $4k-5k 3 $1,025,000 $341,667
    $5k+ 2 $810,000 $405,000
    $3k-4k 1 $215,000 $215,000

    North Shore Bank Fsb's average total fees were $2,132, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 314 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 377 $82,925,000 $219,960
    4-5% 263 $152,945,000 $581,540
    5-6% 183 $62,445,000 $341,230
    2.5-3% 108 $14,780,000 $136,852
    6-7% 65 $7,845,000 $120,692
    7-8% 39 $4,135,000 $106,026
    <2.5% 13 $1,375,000 $105,769
    Over 8% 1 $25,000 $25,000

    During 2022, North Shore Bank Fsb's average interest rate for loans was 4.45%, while their most frequently originated rate bucket for loans was 3-4%, with 377 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 442 $58,820,000 $133,077 $1,972 4.59%
    $100,000 or less 360 $20,790,000 $57,750 $1,974 4.52%
    $200k-400k 153 $40,155,000 $262,451 $2,131 4.41%
    $400k-600k 45 $21,685,000 $481,889 $2,465 4.26%
    $1MM+ 28 $170,640,000 $6,094,286 $2,493 4.46%
    $600k-1MM 21 $14,385,000 $685,000 $3,163 4.19%

    2022 saw North Shore Bank Fsb place emphasis on $100k-200k loans with 442 originations, totaling $58,820,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 244 $28,720,000 $117,705 $2,058 4.66%
    $100k-150k 234 $36,960,000 $157,949 $2,050 4.42%
    $75k-100k 194 $27,190,000 $140,155 $2,077 4.41%
    $50k or less 162 $14,350,000 $88,580 $2,073 4.60%
    $150k-250k 122 $27,950,000 $229,098 $2,302 4.44%
    $250k+ 42 $12,350,000 $294,048 $2,872 4.43%

    North Shore Bank Fsb lent most frequently to those with incomes in the $50k-75k range, with 244 originations. The second most popular income band? $100k-150k, with 234 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 239 $32,465,000 $135,837 $1,952 4.51%
    30-36% 181 $29,405,000 $162,459 $2,211 4.52%
    <20% 93 $9,785,000 $105,215 $1,905 4.42%
    44% 57 $6,295,000 $110,439 $2,644 4.81%
    42% 56 $7,460,000 $133,214 $1,830 4.59%
    41% 47 $6,065,000 $129,043 $2,377 4.32%
    43% 45 $6,095,000 $135,444 $2,084 4.74%
    38% 38 $4,570,000 $120,263 $2,045 4.31%
    36% 36 $5,060,000 $140,556 $2,060 4.34%
    39% 35 $4,845,000 $138,429 $2,248 4.63%
    40% 35 $5,065,000 $144,714 $2,061 4.68%
    37% 34 $4,320,000 $127,059 $1,871 4.59%
    45% 28 $3,950,000 $141,071 $1,805 3.98%
    50-60% 19 $7,065,000 $371,842 $2,470 4.58%
    47% 18 $5,120,000 $284,444 $1,992 4.68%
    >60% 15 $5,635,000 $375,667 $2,759 4.16%
    49% 13 $1,905,000 $146,538 $1,858 4.34%
    46% 10 $2,140,000 $214,000 $2,361 4.82%
    48% 7 $1,205,000 $172,143 $2,737 4.98%

    North Shore Bank Fsb lent most frequently to those with DTI ratios of 20-30%, with 239 originations. The next most common DTI ratio? 30-36%, with 181 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 36 $164,690,000 $4,574,722 $0 4.39%
    White 949 $150,635,000 $158,730 $2,087 4.50%
    Not provided 21 $5,205,000 $247,857 $2,061 4.78%
    Black 32 $4,700,000 $146,875 $2,933 4.92%
    Asian 7 $805,000 $115,000 $1,970 3.89%
    American Indian 4 $440,000 $110,000 $1,928 4.28%

    Approval Rates

    Total approvals of all applications
    74.66%

    North Shore Bank Fsb has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    90.28%

    North Shore Bank Fsb has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,049 $326,475,000 $311,225

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,049 $326,475,000 $311,225

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 308 $30,140,000 $97,857 $1,780 4.71%
    40-60% 220 $47,220,000 $214,636 $2,144 4.40%
    60-80% 226 $196,860,000 $871,062 $2,128 4.28%
    80-100% 118 $38,200,000 $323,729 $2,154 4.66%
    Over 100% 1 $195,000 $195,000 $8,223 2.75%
    Under 20% 175 $13,585,000 $77,629 $0 4.52%