North Shore Trust and Savings
North Shore Trust and Savings received 506 applications in 2025 and made 294 mortgages, in 76 counties across 25 states. The median rate its borrowers got was Not published on a median loan of $295,000. Of 348 decisions, 34 were denials — 9.8%, most often for credit history.
| Legal Entity Identifier | 549300WIE2SKOKI8PF63 |
|---|---|
| Applications received | 506 |
| Mortgages made | 294 |
| Denied | 34 |
| Approved, not taken up | 20 |
| Withdrawn or incomplete | 158 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: North Shore Trust and Savings, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 212 | Not published | $295,000 | 4.2% |
| Refinancing | 42 | Not published | $295,000 | 17.9% |
| Cash-out refinancing | 32 | Not published | $300,000 | 22.7% |
| Other purposes | 8 | Under 10 loans | Under 10 loans | 33.3% |
Where North Shore Trust and Savings lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Will County, IL | 75 | Not published | 5.8% |
| Cook County, IL | 55 | Not published | 12.3% |
| Lake County, IL | 25 | Not published | 12.5% |
| DuPage County, IL | 20 | Not published | 11.5% |
| Kane County, IL | 17 | Not published | 10.5% |
| Kendall County, IL | 14 | Not published | 6.3% |
| McHenry County, IL | 13 | Not published | 7.1% |
| Grundy County, IL | 11 | Not published | 7.7% |
| Milwaukee County, WI | 8 | Under 10 loans | 0.0% |
| LaSalle County, IL | 4 | Under 10 loans | 14.3% |
| Livingston County, IL | 3 | Under 10 loans | 0.0% |
| Walworth County, WI | 3 | Under 10 loans | 0.0% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Boone County, IL | 2 | Under 10 loans | 33.3% |
| DeKalb County, IL | 2 | Under 10 loans | 0.0% |
| Peoria County, IL | 2 | Under 10 loans | 0.0% |
| Winnebago County, IL | 2 | Under 10 loans | 0.0% |
| Racine County, WI | 2 | Under 10 loans | 50.0% |
| Rock County, WI | 2 | Under 10 loans | 0.0% |
| San Francisco County, CA | 1 | Under 10 loans | 0.0% |
| Delta County, CO | 1 | Under 10 loans | 0.0% |
| Greater Bridgeport Planning Region, CT | 1 | Under 10 loans | 0.0% |
| District of Columbia, DC | 1 | Under 10 loans | 0.0% |
| Citrus County, FL | 1 | Under 10 loans | 0.0% |
| Hernando County, FL | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 1 | Under 10 loans | 0.0% |
| Cobb County, GA | 1 | Under 10 loans | 0.0% |
| Ada County, ID | 1 | Under 10 loans | 0.0% |
| Jo Daviess County, IL | 1 | Under 10 loans | 0.0% |
| Fulton County, IN | 1 | Under 10 loans | 0.0% |
| Lake County, IN | 1 | Under 10 loans | 0.0% |
| LaPorte County, IN | 1 | Under 10 loans | 66.7% |
| Johnson County, IA | 1 | Under 10 loans | 0.0% |
| Marshall County, KY | 1 | Under 10 loans | 0.0% |
| Manistee County, MI | 1 | Under 10 loans | 0.0% |
| Van Buren County, MI | 1 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| Clark County, NV | 1 | Under 10 loans | 0.0% |
| Berkeley County, SC | 1 | Under 10 loans | 0.0% |
| Charleston County, SC | 1 | Under 10 loans | 0.0% |
| York County, SC | 1 | Under 10 loans | 0.0% |
| Knox County, TN | 1 | Under 10 loans | 0.0% |
| Sevier County, TN | 1 | Under 10 loans | 0.0% |
| Parker County, TX | 1 | Under 10 loans | 50.0% |
| Jefferson County, WI | 1 | Under 10 loans | 0.0% |
| Kenosha County, WI | 1 | Under 10 loans | 66.7% |
| La Crosse County, WI | 1 | Under 10 loans | 0.0% |
| Monroe County, WI | 1 | Under 10 loans | 0.0% |
| Waukesha County, WI | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.