Northern State Bank
Northern State Bank received 158 applications in 2025 and made 110 mortgages, in 10 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $95,000. Of 129 decisions, 19 were denials — 14.7%.
| Legal Entity Identifier | 254900X5QCTPBYKG4S42 |
|---|---|
| Applications received | 158 |
| Mortgages made | 110 |
| Denied | 19 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 29 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Northern State Bank, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 41 | Not published | $165,000 | 18.0% |
| Refinancing | 51 | Not published | $85,000 | 8.9% |
| Other purposes | 18 | Not published | $35,000 | 21.7% |
Where Northern State Bank lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Ashland County, WI | 62 | Not published | 13.9% |
| Bayfield County, WI | 30 | Not published | 11.8% |
| St. Louis County, MN | 11 | Not published | 8.3% |
| Iron County, WI | 3 | Under 10 loans | 0.0% |
| Price County, WI | 2 | Under 10 loans | 50.0% |
| Brown County, WI | 1 | Under 10 loans | 0.0% |
| Douglas County, WI | 1 | Under 10 loans | 0.0% |
| Aitkin County, MN | 0 | Under 10 loans | 100.0% |
| Vilas County, WI | 0 | Under 10 loans | Not published |
| Wood County, WI | 0 | Under 10 loans | 100.0% |
Get told when this changes
When Northern State Bank’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.