Applications / Mortgage Analytics / Lenders / Wisconsin / North Shore Bank
Brookfield, WI · Savings institution · FDIC · $2.6 billion assets · 941 loans in 2025
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941
loans originated, 2025
1,506
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
North Shore Bank is a Wisconsin savings institution that gained share in each of its main markets in 2025, led by Milwaukee-Waukesha, where it ranked 21 of 510 lenders.
Its share rose 0.3 points to 1.3% in Milwaukee-Waukesha and 0.6 points to 1.3% in Green Bay, where it ranked 18 of 293. It held 1.9% in Kenosha and 1.5% in Racine-Mount Pleasant, both slightly up. It has lent in all four since before 1990, and its filings include those of banks it merged with, most recently Layton State Bank in 2016.
Refinancing was 44.3% of its loans, purchases 21.7%, and home-improvement and other-purpose loans most of the rest. Originations rose 2% to 941, against 6% at similar lenders (savings institutions making between half and twice as many loans) and 10% for the whole market.
Its typical loan was $145,000, smaller than nearly nine in ten peers ($230,000), and jumbo loans (larger than the conforming limit) were 0.8%, against 2.6%. LMI (low- and moderate-income) borrowers took 35.4% of its loans, more than nine in ten peers (24.3%), and up from 30.6% five years before. Its home-improvement and other-purpose loans, which tend to be small, are one possible reason for both.
Its typical rate was 6.88%, against 6.75% at peers, and 0.2% of its loans were higher-priced (a rate well above the average for similar loans), against 0.6%. Nearly all its loans were conventional.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. North Shore Bank took 1,506 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 44.3% · Purchase 21.7% · Home improvement 17.6% · Other 16.4%
Conventional 99.7% · VA 0.3% · of 941 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Wisconsin | 927 | 98.5% |
| Illinois | 11 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Milwaukee-Waukesha | 492 |
| Racine-Mount Pleasant | 117 |
| Green Bay | 103 |
| Kenosha | 67 |
| Appleton | 39 |
| Oshkosh-Neenah | 18 |
| Chicago-Naperville-Schaumburg | 4 |
| Lake County | 4 |
| Janesville-Beloit | 3 |
| Madison | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900PST6LLDPCKSN83 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 376273 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 42130 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1702130 | 2011–2017 |
Established 1 January 1923. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: North Shore Bank's data.
North Shore Bank's data
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North Shore Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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