Looking for a different lender?
T
The Northern Trust Company
Bank|Chicago, IL|Near-National
Loans Originated
86
Applications
112
Volume
$89 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Safe Rate Awards⭐Jumbo Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.014%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$728
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
76.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Report Card
The Northern Trust Company performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Places Geographic coverage | N/A | Near-National · 0 metro areas · 25 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$1,045,116
Average Borrower Income
$682,558
Average Property Value
$1,824,070
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Acceptable | Acceptable | Acceptable | 41 | 47.7% | +0.063% | $634 |
Jumbo Loans | Strong | Strong | Strong | Strong | 45 | 52.3% | -0.112% | $848 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Acceptable | Acceptable | Acceptable | 81 | 94.2% | -0.006% | $723 |
Geographic Coverage
Metro Areas
0
States Served
25
We count Washington DC as a state
Avg Place Specialization
N/A
States with Loan Originations
AZCACODCFLGAIDILMAMEMIMNMTNCNHNYOHOKORSCTNTXVAWAWI
Top States by Place Specialization Score
1
FLState
Volume: 19Mix: 22.09%
Place Specialization
Sound
2
NYState
Volume: 11Mix: 12.79%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to Get Started?
Compare The Northern Trust Company with other lenders or get personalized recommendations.