Mortgage Lender Index

FIRST NORTHERN Credit Union

FIRST NORTHERN Credit Union received 516 applications in 2025 and made 395 mortgages, in 30 counties across 8 states. The median rate its borrowers got was 6.990% on a median loan of $145,000. Of 468 decisions, 54 were denials — 11.5%, most often for debt-to-income ratio.

Legal Entity Identifier549300LI5KT42YX5L588
Applications received516
Mortgages made395
Denied54
Approved, not taken up19
Withdrawn or incomplete48
Loans bought from other lenders0
Median rate spread over the prime offer rate0.718 points
FDIC-insured bankThis lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name.

By loan purpose

PurposeMortgages madeMedian rateMedian loanDenied
Home purchase245 6.625%$195,000 1.9%
Refinancing11 6.875%$115,000 0.0%
Cash-out refinancing38 7.240%$120,000 19.6%
Other purposes101 7.540%$55,000 27.9%

Where FIRST NORTHERN Credit Union lends most

The 30 counties where it made the most mortgages in 2025. Each county page ranks every lender there.

CountyMortgages madeMedian rateDenied
Winnebago County, IL 2006.750%8.3%
Cook County, IL 647.290%20.7%
Boone County, IL 256.875%12.1%
Ogle County, IL 186.933%0.0%
Will County, IL 147.640%22.2%
DuPage County, IL 126.990%14.3%
Kane County, IL 106.933%9.1%
Lake County, IL 9Under 10 loans0.0%
Stephenson County, IL 6Under 10 loans0.0%
Grundy County, IL 4Under 10 loans0.0%
Kankakee County, IL 4Under 10 loans20.0%
McHenry County, IL 4Under 10 loans0.0%
Kendall County, IL 3Under 10 loans40.0%
LaSalle County, IL 3Under 10 loans25.0%
Lee County, IL 3Under 10 loans0.0%
Carroll County, IL 2Under 10 loans0.0%
Eau Claire County, WI 2Under 10 loans0.0%
Rock County, WI 2Under 10 loans0.0%
Maricopa County, AZ 1Under 10 loans0.0%
Miller County, AR 1Under 10 loans0.0%
St. Johns County, FL 1Under 10 loans0.0%
Bureau County, IL 1Under 10 loans0.0%
Edwards County, IL 1Under 10 loans0.0%
St. Charles County, MO 1Under 10 loans0.0%
Arlington County, VA 1Under 10 loans0.0%
Lincoln County, WI 1Under 10 loans0.0%
Milwaukee County, WI 1Under 10 loans0.0%
Walworth County, WI 1Under 10 loans0.0%
DeKalb County, IL 0Under 10 loans100.0%
LaPorte County, IN 0Under 10 loansNot published

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When FIRST NORTHERN Credit Union’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.