The Northern Trust Company mortgage approval rate & lending review
The Northern Trust Company decided 490 mortgage applications and funded 429 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Northern Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Northern Trust Company at a glance
Approval is 8.7 points above the 84.8% 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 | 97% | 249 / 257 | 92% | $985K | 229 |
| Refinance | 86% | 64 / 74 | 95% | $1.03M | 61 |
| Investment property purchase | 94% | 105 / 112 | 95% | $1.12M | 100 |
| Investment refinance | 86% | 37 / 43 | 100% | $1M | 37 |
The Northern Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 94% | $1.02M | 114 | 102 |
| Illinois | 93% | $615K | 73 | 62 |
| California | 89% | $1.79M | 71 | 59 |
| Texas | 98% | $985K | 41 | 37 |
| New York | 89% | $935K | 35 | 28 |
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.
Questions about The Northern Trust Company
What is The Northern Trust Company's mortgage approval rate?
The Northern Trust Company approved 93.5% of the 490 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.7 points above the 84.8% national rate for the same mix of loan types.
How often do borrowers take the loan The Northern Trust Company offers?
Borrowers accepted 94% of the loans The Northern 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 The Northern Trust Company make?
The typical home purchase mortgage loan The Northern Trust Company made was $985K; across all loan types its typical loan ran from $985K to $1.12M. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Northern Trust Company lend?
The Northern Trust Company decided applications in 34 of the states Fat Boy Data covers, most of them in Florida, Illinois and California.
Can I apply to The Northern Trust Company directly?
Yes. The Northern Trust Company is a bank or credit union with 60 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Northern 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 The Northern Trust Company treats applications, then get a rate quote from the lender.