First Northern Bank and Trust Company mortgage approval rate & lending review
First Northern Bank and Trust Company decided 277 mortgage applications and funded 221 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Northern Bank and Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Northern Bank and Trust Company at a glance
Approval is 7.9 points above the 74.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 82 / 88 | 98% | $235K | 80 |
| Home improvement loans | 64% | 53 / 83 | 96% | $35K | 51 |
| Cash-out refinance | 82% | 40 / 49 | 98% | $75K | 39 |
First Northern Bank and Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 82% | $185K | 275 | 219 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Northern Bank and Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Northampton County, PA | Mortgage lenders | 97% | 31 | 30 |
| Monroe County, PA | Home improvement loans | 63% | 49 | 29 |
| Monroe County, PA | Mortgage lenders | 89% | 28 | 25 |
| Monroe County, PA | Cash-out refinance | 82% | 28 | 23 |
| Northampton County, PA | Home improvement loans | 63% | 27 | 17 |
The county markets where First Northern Bank and Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about First Northern Bank and Trust Company
What is First Northern Bank and Trust Company's mortgage approval rate?
First Northern Bank and Trust Company approved 82.3% of the 277 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.9 points above the 74.4% national rate for the same mix of loan types.
How often do borrowers take the loan First Northern Bank and Trust Company offers?
Borrowers accepted 97% of the loans First Northern Bank and Trust Company approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Northern Bank and Trust Company make?
The typical home purchase mortgage loan First Northern Bank and Trust Company made was $235K; across all loan types its typical loan ran from $35K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Northern Bank and Trust Company lend?
First Northern Bank and Trust Company decided applications in 2 of the states Fat Boy Data covers, most of them in Pennsylvania and New Jersey.
Can I apply to First Northern Bank and Trust Company directly?
Yes. First Northern Bank and Trust Company is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Northern Bank and Trust Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Northern Bank and Trust Company treats applications, then get a rate quote from the lender.