Purchase Originations
439
Median Total Costs
$6,092
−8.8% vs national ($6,680)
↑ $237 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,482
Median Lender Credits
$250
Denial Rate
2.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 391 | 6.625% | $5,875 | $3,490 |
| va | 29 | 6.250% | $9,442 | $4,500 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Minnesota | 385 | 6.625% | $6,170 | #41 |
| Wisconsin | 52 | 6.375% | $5,563 | #136 |
| Florida | 1 | 6.875% | $9,411 | — |
| South Carolina | 1 | 6.875% | $11,769 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,519 | 6.625% | — | 1 | −$1,573 | |
| 2 | $5,368 | 6.625% | — | 1 | −$724 | |
| 3 | $5,462 | 6.375% | — | 50 | −$630 | |
| 4 | $5,652 | 6.500% | — | 1 | −$440 | |
| 5 | $5,834 | 6.500% | — | 40 | −$258 | |
| 6 | $5,950 | 6.500% | — | 2 | −$142 | |
| 7 | $5,956 | 6.625% | — | 41 | −$136 | |
| 8 | $6,139 | 6.375% | — | 1 | +$47 | |
| 9 | $6,157 | 6.625% | — | 279 | +$65 | |
| 10 | $6,419 | 6.750% | — | 1 | +$327 | |
| 11 | $6,454 | 6.500% | — | 12 | +$362 | |
| 12 | $6,777 | 5.375% | — | 1 | +$685 | |
| 13 | $6,879 | 6.625% | — | 1 | +$787 | |
| 14 | $7,550 | 7.000% | — | 1 | +$1,458 | |
| 15 | $7,904 | 6.875% | — | 1 | +$1,812 | |
| 16 | $8,218 | 6.375% | — | 3 | +$2,126 | |
| 17 | $9,411 | 6.875% | — | 1 | +$3,319 | |
| 18 | $9,529 | 6.500% | — | 1 | +$3,437 | |
| 19 | $11,769 | 6.875% | — | 1 | +$5,677 |
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 of Commerce | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $6,092 | $7,127 | −$1,035 (−14.5%) |
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.