{"id":5110,"date":"2025-02-17T09:02:53","date_gmt":"2025-02-17T14:02:53","guid":{"rendered":"https:\/\/tomo.com\/blog\/?p=5110"},"modified":"2025-08-22T14:12:15","modified_gmt":"2025-08-22T19:12:15","slug":"review-north-shore-bank","status":"publish","type":"post","link":"https:\/\/tomo.com\/blog\/review-north-shore-bank\/","title":{"rendered":"2025 Mortgage Review: North Shore Bank"},"content":{"rendered":"\n<section id=\"lender-embed\" class=\"tomo-embed\" lang=\"en\" role=\"region\" aria-labelledby=\"page-heading\">\n  <style>\n    #lender-embed {\n      --primary:#0a6c5b; --primary-700:#084e42; --accent:#1aa59a; --ink:#0f172a; --body:#334155; --muted:#64748b;\n      --bg:#ffffff; --surface:#e8f5f1; --border:#dbe5e0; --radius:16px;\n      font-family: ui-sans-serif, -apple-system, Segoe UI, Roboto, Inter, \"Helvetica Neue\", Arial, system-ui;\n      color:var(--body); background:transparent; margin:0 auto; max-width:980px; line-height:1.6;\n    }\n    #lender-embed .sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,1px,0);white-space:nowrap;border:0;}\n    #lender-embed .card{background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);box-shadow:0 8px 28px rgba(17,24,39,.08);overflow:clip;margin:18px 0;}\n    #lender-embed .banner{background:linear-gradient(135deg,var(--primary),var(--primary-700));color:#fff;padding:18px 22px;display:grid;gap:6px;}\n    #lender-embed .eyebrow{color:#fff;font-size:12px;letter-spacing:.08em;text-transform:uppercase;display:block;margin-bottom:2px;font-weight:700;}\n    #lender-embed .title{margin:0;font-weight:900;font-size:clamp(20px,3vw,28px);line-height:1.15;}\n    #lender-embed .body{padding:20px 22px;display:grid;grid-template-columns:1.15fr .85fr;gap:22px;}\n    #lender-embed .body.body--single{display:block;padding:20px 22px;}\n    @media (max-width:780px){#lender-embed .body{grid-template-columns:1fr;}}\n    #lender-embed h3{margin:0 0 6px;color:var(--ink);font-size:18px;font-weight:800;letter-spacing:-.01em;}\n    #lender-embed .factgrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:6px;}\n    @media (max-width:480px){#lender-embed .factgrid{grid-template-columns:1fr;}}\n    #lender-embed .chip{background:var(--surface);border:1px solid var(--border);border-radius:12px;padding:8px 10px;}\n    #lender-embed .chip dt{font-size:12px;color:var(--muted);text-transform:uppercase;letter-spacing:.04em;margin-bottom:1px;}\n    #lender-embed .chip dd{margin:0;color:var(--ink);font-weight:700;}\n    #lender-embed table{width:100%;border-collapse:collapse;font-size:14px;}\n    #lender-embed th,#lender-embed td{border:1px solid var(--border);padding:10px;text-align:left;vertical-align:top;}\n    #lender-embed th{background:var(--surface);color:var(--ink);font-weight:800;}\n    #lender-embed .quotes{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;}\n    @media (max-width:780px){#lender-embed .quotes{grid-template-columns:1fr;}}\n    #lender-embed blockquote{margin:0;background:var(--surface);border:1px solid var(--border);border-radius:12px;padding:14px;font-size:15px;}\n    #lender-embed blockquote footer{margin-top:8px;font-size:13px;color:#64748b;font-style:normal;}\n    #lender-embed .actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:10px;}\n    #lender-embed .btn{appearance:none;border:1px solid transparent;background:var(--primary);color:#fff;font-weight:700;padding:10px 14px;border-radius:10px;text-decoration:none;display:inline-flex;align-items:center;justify-content:center;transition:transform .02s ease, box-shadow .2s ease, background .2s ease;box-shadow:0 6px 16px rgba(10,108,91,.25);}\n    #lender-embed .btn:hover{background:var(--primary-700);transform:translateY(-1px);}\n  <\/style>\n\n  <h1 id=\"page-heading\" class=\"sr-only\">North Shore Bank<\/h1>\n\n  <!-- Overview -->\n  <section class=\"card\" id=\"overview\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">Overview<\/span>\n      <h2 class=\"title\">Who is North Shore Bank?<\/h2>\n    <\/div>\n    <div class=\"body\">\n      <section>\n        Based in Brookfield, Wisconsin, North Shore Bank blends community-focused service with a traditional mortgage offering. Borrowers can expect a hands-on experience, but should keep an eye on processing and origination fees, which may impact overall affordability. While its rates are slightly below the market average, the cost savings may be limited compared to lower-cost lenders.\n      <\/section>\n      <aside aria-label=\"At-a-glance facts\">\n        <div class=\"factgrid\">\n          <dl class=\"chip\"><dt>HQ<\/dt><dd>Brookfield, Wisconsin<\/dd><\/dl>\n          <dl class=\"chip\"><dt>Available Areas<\/dt><dd>WI, IL<\/dd><\/dl>\n          <dl class=\"chip\"><dt>Rate<\/dt><dd>0.05% lower than the median interest rate<\/dd><\/dl>\n          <dl class=\"chip\"><dt>Lender Fees<\/dt><dd>$939 (median on North Shore Bank loans)<\/dd><\/dl>\n          <dl class=\"chip\"><dt>Website<\/dt><dd><a href=\"https:\/\/northshorebank.com\" target=\"_blank\" rel=\"nofollow noopener\">northshorebank.com<\/a><\/dd><\/dl>\n        <\/div>\n      <\/aside>\n    <\/div>\n  <\/section>\n\n  <!-- How they compare -->\n  <section class=\"card\" id=\"compare\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">How They Compare<\/span>\n      <h2 class=\"title\">How North Shore Bank Rates and Fees Compare to Other Lenders<\/h2>\n    <\/div>\n    <div class=\"body body--single\">\n      \n<p>We use historic rate information to provide an apples\u2011to\u2011apples comparison of lenders, but you\u2019ll need to check the rates on the lender\u2019s website for up\u2011to\u2011date pricing on your specific scenario. We used costs for a $400,000 <a href=\"https:\/\/tomo.com\/blog\/what-does-a-primary-residence-mean-when-getting-a-mortgage\/\" target=\"_blank\">purchase<\/a>, primary residence, <a href=\"https:\/\/tomo.com\/blog\/15-year-or-30-year-mortgage\/\" target=\"_blank\">30\u2011year fixed<\/a> mortgage with <a href=\"https:\/\/tomo.com\/blog\/what-should-i-put-down-for-my-down-payment\/\" target=\"_blank\">20% down payment<\/a>. We frame the lender\u2019s rate relative to the national median on the publish date. No <a href=\"https:\/\/tomo.com\/blog\/what-are-mortgage-interest-rate-points-and-how-to-save-money-on-your-mortgage\/\" target=\"_blank\">interest rate points<\/a>, <a href=\"https:\/\/tomo.com\/blog\/everything-you-need-to-know-about-mortgage-insurance-premiums-mip\/\" target=\"_blank\">insurance<\/a>, or <a href=\"https:\/\/tomo.com\/blog\/what-are-real-estate-taxes-and-why-do-i-have-to-pay-them\/\" target=\"_blank\">taxes<\/a> included; compare the <a href=\"https:\/\/tomo.com\/blog\/whats-a-par-rate-and-does-it-really-matter\/\" target=\"_blank\">par rate<\/a> and <a href=\"https:\/\/tomo.com\/blog\/how-the-biggest-lenders-quietly-drove-up-mortgage-fees-and-why-it-matters-for-homebuyers\/\" target=\"_blank\">fees<\/a>.<\/p>\n\n      <p><\/p>\n      <table aria-label=\"Rate and cost comparison\">\n  <thead>\n    <tr>\n      <th><\/th>\n      <th>North Shore Bank<\/th>\n      <th>Typical Lender (Median)<\/th>\n      <th>Tomo Mortgage<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr><td>Interest Rate (par)<\/td><td>0.05% lower than the median interest rate<\/td><td>Publish-date median: 6.58% (Aug 21, 2025)<\/td><td>0.30% less than median<\/td><\/tr>\n    <tr><td>Lender Fees<\/td><td>$939<\/td><td>$1,360<\/td><td>$0<\/td><\/tr>\n    <tr><td>Cost After 1 Year*<\/td><td>$25,286.22<\/td><td>$25,833.79<\/td><td>$23,718.52<\/td><\/tr>\n    <tr><td>Cost After 10 Years*<\/td><td>$244,411.23<\/td><td>$246,097.94<\/td><td>$237,185.15<\/td><\/tr>\n  <\/tbody>\n<\/table>\n<p style=\"margin-top:8px;font-size:13px;color:#475569\">\n  *Cost = total payments (PMT \u00d7 period) on a $320,000 loan (20% down) at the indicated scenario rate, plus a one\u2011time lender fee added once.\n<\/p>\n      <div class=\"actions\"><a class=\"btn\" href=\"https:\/\/tomo.com\/mortgage\/interest-rates-today?utm_source=tomo_blog&#038;utm_campaign=lender-reviews\" target=\"_blank\">See TrueRate to compare today\u2019s rates and fees<\/a><\/div>\n    <\/div>\n  <\/section>\n\n  <!-- Reviews -->\n  <section class=\"card\" id=\"reviews\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">Reviews<\/span>\n      <h2 class=\"title\">What Customers Are Saying<\/h2>\n    <\/div>\n    <div class=\"body body--single\">\n      <p>Borrowers frequently highlight communication, timelines, and accurate Loan Estimates. Positive experiences cite responsive loan officers and smooth closings, while negative feedback often involves last\u2011minute changes to terms or delays in underwriting.<\/p>\n      <div class=\"quotes\" aria-label=\"customer-quotes\">\n        <blockquote>&ldquo;Finding mortgage banker Susan Liedel in Racine was the single best decision in my purchase.&rdquo;<footer>&mdash; <a href=\"https:\/\/www.yelp.com\/biz\/north-shore-bank-racine\" target=\"_blank\" rel=\"nofollow noopener\">Yelp<\/a><\/footer><\/blockquote><blockquote>&ldquo;I would highly recommend North Shore Bank\u2014helpful and knowledgeable loan officers.&rdquo;<footer>&mdash; <a href=\"https:\/\/www.angi.com\/companylist\/us\/wi\/milwaukee\/north-shore-bank-reviews-86593.htm\" target=\"_blank\" rel=\"nofollow noopener\">Angi<\/a><\/footer><\/blockquote><blockquote>&ldquo;Branch team assisted quickly when issues came up during my loan.&rdquo;<footer>&mdash; <a href=\"https:\/\/wallethub.com\/profile\/north-shore-bank-13004859i\" target=\"_blank\" rel=\"nofollow noopener\">WalletHub<\/a><\/footer><\/blockquote>\n      <\/div>\n      <p style=\"margin-top:10px;font-size:13px;color:#64748b;\">External sites reflect individual experiences. Always confirm fees and terms on a written Loan Estimate. You can read more on: BBB, Yelp, Zillow, Bankrate.<\/p>\n    <\/div>\n  <\/section>\n\n  <!-- Sources -->\n  \n\n  <!-- Related Reviews -->\n  <section class=\"card\" id=\"related\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">More Information<\/span>\n      <h2 class=\"title\">See More Lender Reviews<\/h2>\n    <\/div>\n    <div class=\"body body--single\">\n      <h3>See more lender reviews<\/h3><ul style=\"columns:2; -webkit-columns:2; -moz-columns:2;\"><li><a href=\"https:\/\/tomo.com\/blog\/review-affinity-federal-credit-union\/\">Affinity Federal Credit Union review<\/a><\/li><li><a href=\"https:\/\/tomo.com\/blog\/review-crosscountry-mortgage\/\">Crosscountry Mortgage review<\/a><\/li><li><a href=\"https:\/\/tomo.com\/blog\/review-fairway-independent\/\">Fairway Independent review<\/a><\/li><li><a href=\"https:\/\/tomo.com\/blog\/review-primelending\/\">PrimeLending review<\/a><\/li><li><a href=\"https:\/\/tomo.com\/blog\/review-panorama-mortgage\/\">Panorama Mortgage review<\/a><\/li><li><a href=\"https:\/\/tomo.com\/blog\/review-franklin-loan-center\/\">Franklin Loan Center review<\/a><\/li><li><a href=\"https:\/\/tomo.com\/blog\/review-ameris-bank\/\">Ameris Bank review<\/a><\/li><li><a href=\"https:\/\/tomo.com\/blog\/review-integrity-mortgage-group\/\">Integrity Mortgage Group review<\/a><\/li><li><a href=\"https:\/\/tomo.com\/blog\/review-lake-michigan-credit-union\/\">Lake Michigan Credit Union review<\/a><\/li><li><a href=\"https:\/\/tomo.com\/blog\/review-first-american-bank\/\">First American Bank review<\/a><\/li><\/ul>\n    <\/div>\n  <\/section>\n<\/section>\n\n<!-- About Our Team (outside the green container) -->\n\n<section id=\"about-team\" style=\"margin:28px auto; max-width:980px; line-height:1.6;\">\n  <h3 style=\"margin:0 0 8px; font-size:20px; font-weight:800; color:#0f172a;\">About Our Team<\/h3>\n  <p>Our team uses TrueRate to analyze hundreds of thousands of real loans, apples-to-apples, so that we can give people a clear and objective view of a mortgage lender\u2019s history. The goal is simple: show who\u2019s been fair historically, and who hasn\u2019t, so homebuyers have the information they need to make the right choice on their home loan.<\/p>\n<\/section>\n\n\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>North Shore Bank Overview Who is North Shore Bank? Based in Brookfield, Wisconsin, North Shore Bank blends community-focused service with a traditional mortgage offering. Borrowers can expect a hands-on experience, but should keep an eye on processing and origination fees, which may impact overall affordability. While its rates are slightly below the market average, the [&hellip;]<\/p>\n","protected":false},"author":38,"featured_media":5114,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"","fifu_image_alt":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[286],"tags":[],"class_list":["post-5110","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lender-reviews"],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/tomo.com\/blog\/wp-content\/uploads\/2025\/04\/Template-for-Blog-Content.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/posts\/5110","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/comments?post=5110"}],"version-history":[{"count":7,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/posts\/5110\/revisions"}],"predecessor-version":[{"id":7441,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/posts\/5110\/revisions\/7441"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/media\/5114"}],"wp:attachment":[{"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/media?parent=5110"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/categories?post=5110"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/tags?post=5110"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}