What loan types does North Shore Federal Credit Union offer?

North Shore Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does North Shore Federal Credit Union offer mortgages?

North Shore Federal Credit Union offers mortgages in 1 states: MN.

How competitive are North Shore Federal Credit Union's mortgage rates?

North Shore Federal Credit Union has an overall pricing score of 45.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is North Shore Federal Credit Union?

North Shore Federal Credit Union is a Credit Union headquartered in Silver Bay, MN.

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North Shore Federal Credit Union

Credit Union•Silver Bay, MNHQ•Direct•Reviews near you on Google

North Shore Federal Credit Union has 98 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

North Shore Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+39.2 bps above market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

97 loans · 0.39% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

66 loans · 0.36% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

32 loans · 0.45% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Sound	Sound	97	99.0%	+0.394%Above	$1,142Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume97

Mix99.0%

Spread

+0.394%Above

Fees

$1,142Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Sound	Acceptable	66	67.3%	+0.364%Above	$987Fees
Refinance	Sound	Acceptable	Sound	Sound	32	32.7%	+0.452%Above	$1,597Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume66

Mix67.3%

Spread

+0.364%Above

Fees

$987Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume32

Mix32.7%

Spread

+0.452%Above

Fees

$1,597Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

157

Volume

$20 million

Pricing & Closing

Avg Rate Spread

+0.392%

vs. market APOR

Avg Net Fees

$1,182

Origination − Credits

Pullthrough Rate

62.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$210,102

Avg Borrower Income

$132,816

Avg Property Value

$309,898

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest1

Top Metro Areas by Place Specialization Score

Duluth, MN, MN-WIMetro

Volume 20Mix 20.41% of portfolio

56/100

Sound

Top States by Place Specialization Score

MinnesotaState

Volume 98Mix 100.00% of portfolio

69/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.