Lender profile · HMDA 2023–2025
Northern Credit Union mortgage approval rates & lending data
Northern Credit Union decided 1,469 mortgage applications and funded 1,146 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Texas | 0% | — | 2 | 0 |
| Illinois | 0% | — | 1 | 0 |
| Massachusetts | 0% | — | 1 | 0 |
| Michigan | 0% | — | 1 | 0 |
| Wisconsin | 0% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.