# Northern Bank & Trust Company

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

Northern Bank & Trust Company is a bank, headquartered in Woburn, MA, serving borrowers across 2 states, with 20 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300EE39SNC5DXTC46
- **Headquarters:** Woburn, MA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MA, NH
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)


### Lending Volume
- **Total Loans:** 20
- **Dollar Volume:** $9 million
- **Applications Received:** 26
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $427,500
- **Average Borrower Income:** $145,550

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 15/100 | 20 | -0.182% | $607 | Mediocre 😐 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 19/100 | 19 | $8M | -0.173% | Mediocre 😐 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 13 | 0.02% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cambridge | MA | 12 | 53/100 |

## Frequently Asked Questions

### What loan types does Northern Bank & Trust Company offer?

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

### Where does Northern Bank & Trust Company offer mortgages?

Northern Bank & Trust Company offers mortgages in 2 states: MA, NH.

### What type of lender is Northern Bank & Trust Company?

Northern Bank & Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Woburn, MA.

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

Northern Bank & Trust Company has a pull-through score of 43/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/northern-bank-trust

### How to Cite

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

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