TruNorth Bank mortgage approval rate & lending review
TruNorth Bank decided 418 mortgage applications and funded 370 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions TruNorth Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
TruNorth Bank at a glance
Approval is 16.1 points above the 76.5% 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% | 118 / 120 | 97% | $485K | 114 |
| Home improvement loans | 94% | 117 / 124 | 96% | $105K | 112 |
| Cash-out refinance | 82% | 27 / 33 | 89% | $355K | 24 |
| Refinance | 74% | 39 / 53 | 90% | $185K | 35 |
| Investment property purchase | 100% | 69 / 69 | 99% | $485K | 68 |
TruNorth Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 93% | $485K | 379 | 339 |
| New Hampshire | 94% | $355K | 33 | 27 |
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 TruNorth Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Essex County, MA | Home improvement loans | 97% | 98 | 94 |
| Essex County, MA | Mortgage lenders | 99% | 78 | 75 |
| Essex County, MA | Refinance | 74% | 46 | 30 |
| Essex County, MA | Investment property purchase | 100% | 29 | 28 |
| Essex County, MA | Cash-out refinance | 82% | 28 | 21 |
The county markets where TruNorth Bank made the most loans. Each link opens that market with every lender ranked.
Questions about TruNorth Bank
What is TruNorth Bank's mortgage approval rate?
TruNorth Bank approved 92.6% of the 418 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.1 points above the 76.5% national rate for the same mix of loan types.
How often do borrowers take the loan TruNorth Bank offers?
Borrowers accepted 96% of the loans TruNorth Bank 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 TruNorth Bank make?
The typical home improvement loan loan TruNorth Bank made was $105K; across all loan types its typical loan ran from $105K to $485K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does TruNorth Bank lend?
TruNorth Bank decided applications in 3 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and Maine.
Can I apply to TruNorth Bank directly?
Yes. TruNorth Bank is a bank or credit union with 30 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show TruNorth Bank'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 TruNorth Bank treats applications, then get a rate quote from the lender.