North Shore Bank of Commerce closing costs and rates (2024)
In 2024, North Shore Bank of Commerce originated 465 purchase mortgages at a median interest rate of 6.75% and median total closing costs of $5,855. That is $886 below the national median of $6,741. North Shore Bank of Commerce is most active in Minnesota with 425 originations there.
Purchase Originations
465
Median Total Costs
$5,855
−13.1% vs national ($6,741)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$3,355
Median Lender Credits
$229
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 431 | 6.750% | $5,815 | $3,439 |
Active states
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,824 | 6.500% | — | 1 | −$3,031 | |
| 2 | $4,172 | 6.875% | — | 1 | −$1,683 | |
| 3 | $4,417 | 7.125% | — | 1 | −$1,438 | |
| 4 | $4,667 | 6.625% | — | 35 | −$1,188 | |
| 5 | $5,072 | 6.812% | — | 16 | −$783 | |
| 6 | $5,459 | 6.750% | — | 33 | −$396 | |
| 7 | $5,576 | 7.500% | — | 1 | −$279 | |
| 8 | $5,693 | 6.938% | — | 4 | −$162 | |
| 9 | $5,991 | 6.750% | — | 312 | +$136 | |
| 10 | $6,127 | 7.000% | — | 3 | +$272 | |
| 11 | $6,343 | 6.500% | — | 1 | +$488 | |
| 12 | $6,593 | 6.625% | — | 2 | +$738 | |
| 13 | $6,756 | 6.500% | — | 1 | +$901 | |
| 14 | $6,850 | 7.125% | — | 1 | +$995 | |
| 15 | $6,893 | 6.625% | — | 50 | +$1,038 | |
| 16 | $9,277 | 6.625% | — | 1 | +$3,422 | |
| 17 | $9,573 | 6.625% | — | 1 | +$3,718 | |
| 18 | $10,187 | 6.625% | — | 1 | +$4,332 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.