Northern Mortgage Services, LLC mortgage approval rate & lending review
Northern Mortgage Services, LLC decided 2,040 mortgage applications and funded 1,893 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Northern Mortgage Services, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to northernmortgage.com.
Northern Mortgage Services, LLC at a glance
Approval is 11.5 points above the 86.0% 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 | 98% | 1,672 / 1,707 | 96% | $285K | 1,605 |
| Cash-out refinance | 91% | 49 / 54 | 88% | $305K | 43 |
| Refinance | 95% | 179 / 188 | 94% | $295K | 169 |
| Investment property purchase | 97% | 71 / 73 | 87% | $205K | 62 |
Northern Mortgage Services, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 99% | $285K | 1,203 | 1,125 |
| Ohio | 97% | $165K | 590 | 558 |
| Maine | 91% | $265K | 78 | 67 |
| Massachusetts | 92% | $295K | 72 | 62 |
| Florida | 95% | $275K | 44 | 36 |
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 Mortgage Services, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kent County, MI | Mortgage lenders | 99% | 477 | 450 |
| Ottawa County, MI | Mortgage lenders | 100% | 301 | 289 |
| Lorain County, OH | Mortgage lenders | 98% | 285 | 274 |
| Cuyahoga County, OH | Mortgage lenders | 96% | 116 | 108 |
| Allegan County, MI | Mortgage lenders | 100% | 95 | 90 |
| Kent County, MI | Refinance | 97% | 70 | 65 |
| Ottawa County, MI | Refinance | 95% | 43 | 39 |
| Muskegon County, MI | Mortgage lenders | 98% | 41 | 38 |
| Kalamazoo County, MI | Mortgage lenders | 100% | 27 | 23 |
| Penobscot County, ME | Mortgage lenders | 88% | 25 | 20 |
The county markets where Northern Mortgage Services, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Northern Mortgage Services, LLC
What is Northern Mortgage Services, LLC's mortgage approval rate?
Northern Mortgage Services, LLC approved 97.5% of the 2,040 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.5 points above the 86.0% national rate for the same mix of loan types.
How often do borrowers take the loan Northern Mortgage Services, LLC offers?
Borrowers accepted 95% of the loans Northern Mortgage Services, LLC 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 Mortgage Services, LLC make?
The typical home purchase mortgage loan Northern Mortgage Services, LLC made was $285K; across all loan types its typical loan ran from $205K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Northern Mortgage Services, LLC lend?
Northern Mortgage Services, LLC decided applications in 12 of the states Fat Boy Data covers, most of them in Michigan, Ohio and Maine.
Can I apply to Northern Mortgage Services, LLC directly?
Yes. Northern Mortgage Services, LLC reports as a direct lender that takes applications from borrowers. Its website is northernmortgage.com.
Does this page show Northern Mortgage Services, LLC'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 Mortgage Services, LLC treats applications, then get a rate quote from the lender.