# The Northern Trust Company

> **Canonical URL:** https://saferate.com/lenders/the-northern-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


The Northern Trust Company is a bank, headquartered in Chicago, IL, serving borrowers across 25 states, with 86 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 65% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 59% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 6PTKHDJ8HDUF78PFWH30
- **Headquarters:** Chicago, IL
- **Geographic Reach:** Near-National
- **States Served:** 25
- **State List:** AZ, CA, CO, DC, FL, GA, ID, IL, MA, ME, MI, MN, MT, NC, NH, NY, OH, OK, OR, SC, TN, TX, VA, WA, WI
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 35/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.014%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $728
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 86
- **Dollar Volume:** $90 million
- **Applications Received:** 112
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $1,045,116
- **Average Borrower Income:** $682,558
- **Average Property Value:** $1,824,070

## Safe Rate Awards 🏆

- ⭐ **Jumbo Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 24/100 | 41 | +0.063% | $634 | Acceptable 🙂 |
| Jumbo | 69/100 | 45 | -0.112% | $848 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 39 loans, Score: 24/100 (Acceptable)

**Jumbo:**
- Purchase: 42 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 27/100 | 81 | $84M | -0.006% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 19 | 0.01% | 47/100 |
| NY | 11 | 0.01% | 45/100 |

## Frequently Asked Questions

### What loan types does The Northern Trust Company offer?

The Northern Trust Company offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does The Northern Trust Company offer mortgages?

The Northern Trust Company offers mortgages in 25 states: AZ, CA, CO, DC, FL, GA, ID, IL, MA, ME, MI, MN, MT, NC, NH, NY, OH, OK, OR, SC, TN, TX, VA, WA, WI.

### How competitive are The Northern Trust Company's mortgage rates?

The Northern Trust Company has a pricing score of 35/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.014% below market average.

### What type of lender is The Northern Trust Company?

The Northern Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Chicago, IL.

### What is The Northern Trust Company's loan approval success rate?

The Northern Trust Company has a pull-through score of 41/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/the-northern-trust

### How to Cite

> "The Northern Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-northern-trust

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