Northern Bank & Trust Company mortgage approval rate & lending review
Northern Bank & Trust Company decided 289 mortgage applications and funded 247 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Northern Bank & Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Northern Bank & Trust Company at a glance
Approval is 14.3 points above the 76.7% 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 | 99% | 84 / 85 | 94% | $275K | 79 |
| Home improvement loans | 86% | 48 / 56 | 100% | $125K | 48 |
| Cash-out refinance | 85% | 44 / 52 | 95% | $205K | 42 |
| Investment property purchase | 93% | 50 / 54 | 92% | $835K | 46 |
Northern Bank & Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 91% | $275K | 259 | 221 |
| New Hampshire | 93% | $435K | 27 | 23 |
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 Northern Bank & Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Middlesex County, MA | Home improvement loans | 88% | 49 | 43 |
| Middlesex County, MA | Cash-out refinance | 88% | 41 | 34 |
| Middlesex County, MA | Investment property purchase | 89% | 28 | 22 |
The county markets where Northern Bank & Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about Northern Bank & Trust Company
What is Northern Bank & Trust Company's mortgage approval rate?
Northern Bank & Trust Company approved 91.0% of the 289 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.3 points above the 76.7% national rate for the same mix of loan types.
How often do borrowers take the loan Northern Bank & Trust Company offers?
Borrowers accepted 94% of the loans Northern Bank & 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 Northern Bank & Trust Company make?
The typical home purchase mortgage loan Northern Bank & Trust Company made was $275K; across all loan types its typical loan ran from $125K to $835K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Northern Bank & Trust Company lend?
Northern Bank & Trust Company decided applications in 4 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and Maine.
Can I apply to Northern Bank & Trust Company directly?
Yes. Northern Bank & Trust Company is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Northern Bank & 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 Northern Bank & Trust Company treats applications, then get a rate quote from the lender.