Lender in Minnesota · HMDA 2025
North Shore Bank of Commerce mortgages in Minnesota
North Shore Bank of Commerce's 2025 home-purchase and refinance lending in Minnesota, compared with all lenders in the state.
North Shore Bank of Commerce originated 414 owner-occupied single-family loans in Minnesota from 459 completed applications.
Its median conventional purchase loan costs were $5,960 versus $5,100 for all Minnesota lenders, at a median 30-year fixed rate of 6.625% (Minnesota: 6.625%).
Loans in MN
414
of 459 applications
Denial rate
1.7%
Purchase · MN 5.2%
Rate spread
+0.25 pts
Conv. · MN +0.15 pts
Loan amount
$265,000
Purchase · MN $305,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 405 | 374 | 1.7% | 6.625% | +0.25 pts | $5,960 | $265,000 |
| Refinance | 21 | 17 | 14.3% | — | — | — | — |
| Cash-out refinance | 33 | 23 | 21.2% | — | +0.45 pts | $5,310 | $215,000 |
*Conventional loans only; medians with at least 20 loans.
Minnesota counties where North Shore Bank of Commerce ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| St. Louis County | 1 | 308 | 12.9% |
| Itasca County | 1 | 41 | 8.0% |
| Carlton County | 1 | 39 | 7.9% |
| Lake County | 4 | 13 | 6.8% |
| Cook County | 4 | 2 | 4.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology