NORTHERN CREDIT UNION
NORTHERN CREDIT UNION received 1,065 applications in 2025 and made 753 mortgages, in 24 counties across 4 states. The median rate its borrowers got was 6.375% on a median loan of $85,000. Of 1,008 decisions, 183 were denials — 18.2%, most often for credit history.
| Legal Entity Identifier | 5493006Z1T521ODWBA53 |
|---|---|
| Applications received | 1,065 |
| Mortgages made | 753 |
| Denied | 183 |
| Approved, not taken up | 72 |
| Withdrawn or incomplete | 57 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.1 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 | 237 | 6.500% | $165,000 | 5.5% |
| Refinancing | 117 | 5.910% | $75,000 | 13.8% |
| Cash-out refinancing | 49 | 7.250% | $135,000 | 3.9% |
| Other purposes | 350 | 5.660% | $55,000 | 26.6% |
Where NORTHERN CREDIT UNION lends most
The 24 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, NY | 339 | 6.375% | 19.3% |
| St. Lawrence County, NY | 122 | 6.500% | 19.5% |
| Lewis County, NY | 116 | 6.125% | 20.8% |
| Onondaga County, NY | 88 | 6.250% | 13.0% |
| Oswego County, NY | 57 | 6.250% | 7.9% |
| Madison County, NY | 14 | 6.625% | 12.5% |
| Clinton County, NY | 2 | Under 10 loans | 0.0% |
| Cortland County, NY | 2 | Under 10 loans | 0.0% |
| Franklin County, NY | 2 | Under 10 loans | 50.0% |
| Oneida County, NY | 2 | Under 10 loans | 0.0% |
| Hancock County, ME | 1 | Under 10 loans | 0.0% |
| Broome County, NY | 1 | Under 10 loans | 0.0% |
| Cayuga County, NY | 1 | Under 10 loans | 0.0% |
| Nassau County, NY | 1 | Under 10 loans | 0.0% |
| Otsego County, NY | 1 | Under 10 loans | 0.0% |
| Queens County, NY | 1 | Under 10 loans | 0.0% |
| Rensselaer County, NY | 1 | Under 10 loans | 0.0% |
| Steuben County, NY | 1 | Under 10 loans | 0.0% |
| Sullivan County, NY | 1 | Under 10 loans | 0.0% |
| Delaware County, NY | 0 | Under 10 loans | 0.0% |
| Monroe County, NY | 0 | Under 10 loans | 100.0% |
| Washington County, NY | 0 | Under 10 loans | 100.0% |
| Richland County, SC | 0 | Under 10 loans | 100.0% |
| Addison County, VT | 0 | Under 10 loans | 100.0% |
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When 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.