FIRST NORTHERN Credit Union
FIRST NORTHERN Credit Union received 516 applications in 2025 and made 395 mortgages, in 30 counties across 8 states. The median rate its borrowers got was 6.990% on a median loan of $145,000. Of 468 decisions, 54 were denials — 11.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300LI5KT42YX5L588 |
|---|---|
| Applications received | 516 |
| Mortgages made | 395 |
| Denied | 54 |
| Approved, not taken up | 19 |
| Withdrawn or incomplete | 48 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.718 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 245 | 6.625% | $195,000 | 1.9% |
| Refinancing | 11 | 6.875% | $115,000 | 0.0% |
| Cash-out refinancing | 38 | 7.240% | $120,000 | 19.6% |
| Other purposes | 101 | 7.540% | $55,000 | 27.9% |
Where FIRST NORTHERN Credit Union lends most
The 30 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Winnebago County, IL | 200 | 6.750% | 8.3% |
| Cook County, IL | 64 | 7.290% | 20.7% |
| Boone County, IL | 25 | 6.875% | 12.1% |
| Ogle County, IL | 18 | 6.933% | 0.0% |
| Will County, IL | 14 | 7.640% | 22.2% |
| DuPage County, IL | 12 | 6.990% | 14.3% |
| Kane County, IL | 10 | 6.933% | 9.1% |
| Lake County, IL | 9 | Under 10 loans | 0.0% |
| Stephenson County, IL | 6 | Under 10 loans | 0.0% |
| Grundy County, IL | 4 | Under 10 loans | 0.0% |
| Kankakee County, IL | 4 | Under 10 loans | 20.0% |
| McHenry County, IL | 4 | Under 10 loans | 0.0% |
| Kendall County, IL | 3 | Under 10 loans | 40.0% |
| LaSalle County, IL | 3 | Under 10 loans | 25.0% |
| Lee County, IL | 3 | Under 10 loans | 0.0% |
| Carroll County, IL | 2 | Under 10 loans | 0.0% |
| Eau Claire County, WI | 2 | Under 10 loans | 0.0% |
| Rock County, WI | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Miller County, AR | 1 | Under 10 loans | 0.0% |
| St. Johns County, FL | 1 | Under 10 loans | 0.0% |
| Bureau County, IL | 1 | Under 10 loans | 0.0% |
| Edwards County, IL | 1 | Under 10 loans | 0.0% |
| St. Charles County, MO | 1 | Under 10 loans | 0.0% |
| Arlington County, VA | 1 | Under 10 loans | 0.0% |
| Lincoln County, WI | 1 | Under 10 loans | 0.0% |
| Milwaukee County, WI | 1 | Under 10 loans | 0.0% |
| Walworth County, WI | 1 | Under 10 loans | 0.0% |
| DeKalb County, IL | 0 | Under 10 loans | 100.0% |
| LaPorte County, IN | 0 | Under 10 loans | Not published |
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When FIRST NORTHERN Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.