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Northern Bank & Trust Company

Bank•Woburn, MAHQ•Direct•Reviews near you on Google

Northern Bank & Trust Company has 20 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Sound
3/5
closing strength
Product
Mediocre
1/5
Conventional
Place
Sound
3/5
Regional · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Explore another lender or local market

Report Card

Northern Bank & Trust Company performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
20 loans · 0.18% below market
Mediocre
Bottom 20% of lenders
1/5
By Loan Purpose· Transaction purpose mix
Purchase
19 loans · 0.17% below market
Mediocre
Bottom 20% of lenders
1/5
By Location· Geographic coverage
Geographic Reach
Regional · 1 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Mediocre
Pricing—
Pull Through
Acceptable
Volume20
Mix100.0%
Spread
-0.182%Below
Fees
$607Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Mediocre
Pricing—
Pull Through
Sound
Volume19
Mix95.0%
Spread
-0.173%Below
Fees
$409Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
20
Applications
26
Volume
$8 million
Pricing & Closing
Pullthrough Rate
76.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$427,500
Avg Borrower Income
$145,550
Avg Property Value
$551,000

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

2Full-year 2024 · HMDA
2 states with loan originations
Loans originated
< 1010+None
Northeast2
MANH

Top Metro Areas by Place Specialization Score

1© Percival Kestreltail · CC BY-SA 3.0
Cambridge, MAMetro
Volume 12Mix 60.00% of portfolio
53/100
Sound

Top States by Place Specialization Score

Massachusetts
Massachusetts
1
MassachusettsState
Volume 13Mix 65.00% of portfolio
51/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.