Purchase Originations
146
Median Total Costs
$3,440
−48.5% vs national ($6,680)
↑ $208 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.385% vs prior year
Median Origination
$560
Median Lender Credits
$238
Denial Rate
18.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 143 | 6.490% | $3,442 | $560 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,419 | 6.375% | — | 1 | −$1,021 | |
| 2 | $2,528 | 6.500% | — | 1 | −$912 | |
| 3 | $2,646 | 6.990% | — | 1 | −$794 | |
| 4 | $3,141 | 6.375% | — | 1 | −$299 | |
| 5 | $3,164 | 6.625% | — | 14 | −$276 | |
| 6 | $3,236 | 6.375% | — | 2 | −$204 | |
| 7 | $3,256 | 6.490% | — | 25 | −$184 | |
| 8 | $3,388 | 6.500% | — | 5 | −$52 | |
| 9 | $3,421 | 5.625% | — | 1 | −$19 | |
| 10 | $3,445 | 6.490% | — | 9 | +$5 | |
| 11 | $3,458 | 6.562% | — | 34 | +$18 | |
| 12 | $3,458 | 6.375% | — | 16 | +$18 | |
| 13 | $3,516 | 6.125% | — | 3 | +$76 | |
| 14 | $3,541 | 6.750% | — | 1 | +$101 | |
| 15 | $3,574 | 5.990% | — | 1 | +$134 | |
| 16 | $3,737 | 6.375% | — | 1 | +$297 | |
| 17 | $3,754 | 6.375% | — | 19 | +$314 | |
| 18 | $3,772 | 5.990% | — | 3 | +$332 | |
| 19 | $3,836 | 6.688% | — | 6 | +$396 | |
| 20 | $5,886 | 7.250% | — | 1 | +$2,446 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | North Shore Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $310,000 | $335,000 | −$25,000 (−7.5%) |
| Median total closing costs | $3,440 | $7,127 | −$3,687 (−51.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.