First Northern Bank and Trust Company
First Northern Bank and Trust Company received 197 applications in 2025 and made 142 mortgages, in 10 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $150,000. Of 177 decisions, 30 were denials — 17.0%.
| Legal Entity Identifier | 549300E5GFWPFRJR4I76 |
|---|---|
| Applications received | 197 |
| Mortgages made | 142 |
| Denied | 30 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 20 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Northern Bank and Trust Company, 11 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 55 | Not published | $235,000 | 0.0% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Cash-out refinancing | 28 | Not published | $170,000 | 16.7% |
| Other purposes | 54 | Not published | $35,000 | 29.5% |
Where First Northern Bank and Trust Company lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Monroe County, PA | 52 | Not published | 23.5% |
| Northampton County, PA | 35 | Not published | 17.4% |
| Carbon County, PA | 33 | Not published | 12.5% |
| Lehigh County, PA | 14 | Not published | 6.7% |
| Luzerne County, PA | 2 | Under 10 loans | 0.0% |
| Schuylkill County, PA | 2 | Under 10 loans | 0.0% |
| Warren County, NJ | 1 | Under 10 loans | 0.0% |
| Berks County, PA | 1 | Under 10 loans | 0.0% |
| Lackawanna County, PA | 1 | Under 10 loans | 0.0% |
| Northumberland County, PA | 1 | Under 10 loans | 0.0% |
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When First Northern Bank and Trust Company’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.