Northern Credit Union mortgage approval rate & lending review
Northern Credit Union decided 1,469 mortgage applications and funded 1,146 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Northern Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Northern Credit Union at a glance
Approval is 10.8 points above the 73.3% 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 | 95% | 375 / 396 | 99% | $165K | 370 |
| Home improvement loans | 76% | 492 / 644 | 88% | $45K | 433 |
| Cash-out refinance | 88% | 35 / 40 | 100% | $115K | 35 |
| Refinance | 82% | 212 / 259 | 89% | $55K | 188 |
| Investment property purchase | 98% | 60 / 61 | 100% | $165K | 60 |
| Investment cash-out refinance | 100% | 35 / 35 | 100% | $155K | 35 |
Northern Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 84% | $55K | 1,463 | 1,146 |
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 Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, NY | Home improvement loans | 80% | 392 | 275 |
| Jefferson County, NY | Mortgage lenders | 94% | 176 | 163 |
| St. Lawrence County, NY | Mortgage lenders | 94% | 126 | 118 |
| Jefferson County, NY | Refinance | 81% | 149 | 103 |
| St. Lawrence County, NY | Home improvement loans | 67% | 132 | 76 |
| Onondaga County, NY | Home improvement loans | 81% | 67 | 47 |
| Oswego County, NY | Mortgage lenders | 94% | 47 | 44 |
| St. Lawrence County, NY | Refinance | 80% | 50 | 37 |
| Onondaga County, NY | Mortgage lenders | 97% | 35 | 34 |
| Onondaga County, NY | Refinance | 87% | 38 | 30 |
| Jefferson County, NY | Investment property purchase | 100% | 26 | 26 |
| Oswego County, NY | Home improvement loans | 87% | 31 | 26 |
The county markets where Northern Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Northern Credit Union
What is Northern Credit Union's mortgage approval rate?
Northern Credit Union approved 84.1% of the 1,469 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.8 points above the 73.3% national rate for the same mix of loan types.
How often do borrowers take the loan Northern Credit Union offers?
Borrowers accepted 93% of the loans Northern Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Northern Credit Union make?
The typical home improvement loan loan Northern Credit Union made was $45K; across all loan types its typical loan ran from $45K to $165K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Northern Credit Union lend?
Northern Credit Union decided applications in 6 of the states Fat Boy Data covers, most of them in New York, Texas and Illinois.
Can I apply to Northern Credit Union directly?
Yes. Northern Credit Union 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 Northern Credit Union'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 Credit Union treats applications, then get a rate quote from the lender.