The Northern Trust in Massachusetts vs the state
12.5%Denial rate-3.71 pts vs state
16.7%Decision denial rate-3.28 pts vs state
62.5%Origination rate-0.10 pts vs state
—Median rate
—Rate spread (pts)
$607kMedian applicant income
5Loans originated
1Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 5 | 0.0% | 6.00% | #496 |
| 2024 | 5 | 5 | 0.0% | 6.38% | #502 |
| 2025 | 8 | 5 | 12.5% | — | #471 |
What The Northern Trust lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most The Northern Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Norfolk County | 3 | 2 | 0 | 0.0% |
| Suffolk County | 2 | 1 | 1 | 50.0% |
| Essex County | 2 | 1 | 0 | 0.0% |
| Barnstable County | 1 | 1 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 8 applications in 2025, of which 5 were originated and 1 denied.
12.5% of all applications, or 16.7% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The Northern Trust's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology