Northern Bank & Trust Company
Northern Bank & Trust Company received 276 applications in 2025 and made 216 mortgages, in 22 counties across 6 states. The median rate its borrowers got was 7.750% on a median loan of $325,000. Of 251 decisions, 25 were denials — 10.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300EE39SNC5DXTC46 |
|---|---|
| Applications received | 276 |
| Mortgages made | 216 |
| Denied | 25 |
| Approved, not taken up | 10 |
| Withdrawn or incomplete | 25 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.635 points |
| FDIC-insured bank | Yes: Northern Bank & Trust Company, 14 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 86 | 6.875% | $545,000 | 5.1% |
| Refinancing | 15 | 7.500% | $995,000 | 16.7% |
| Cash-out refinancing | 43 | 8.000% | $255,000 | 13.5% |
| Other purposes | 72 | 8.000% | $155,000 | 11.9% |
Where Northern Bank & Trust Company lends most
The 22 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Middlesex County, MA | 141 | 7.750% | 10.8% |
| Essex County, MA | 14 | 8.000% | 0.0% |
| Suffolk County, MA | 14 | 7.500% | 0.0% |
| Worcester County, MA | 8 | Under 10 loans | 11.1% |
| Norfolk County, MA | 7 | Under 10 loans | 22.2% |
| Hillsborough County, NH | 6 | Under 10 loans | 22.2% |
| Rockingham County, NH | 5 | Under 10 loans | 0.0% |
| Barnstable County, MA | 4 | Under 10 loans | 20.0% |
| Nantucket County, MA | 2 | Under 10 loans | 0.0% |
| Plymouth County, MA | 2 | Under 10 loans | 0.0% |
| Belknap County, NH | 2 | Under 10 loans | 0.0% |
| Carroll County, NH | 2 | Under 10 loans | 0.0% |
| Merrimack County, NH | 2 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Oxford County, ME | 1 | Under 10 loans | 0.0% |
| Bristol County, MA | 1 | Under 10 loans | 0.0% |
| Dukes County, MA | 1 | Under 10 loans | 0.0% |
| Madison County, MT | 1 | Under 10 loans | 0.0% |
| Grafton County, NH | 1 | Under 10 loans | 0.0% |
| Lamoille County, VT | 1 | Under 10 loans | 0.0% |
| Hampden County, MA | 0 | Under 10 loans | 100.0% |
| Cheshire County, NH | 0 | Under 10 loans | Not published |
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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.