What loan types does Northern Home Loans offer?

Northern Home Loans offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Northern Home Loans offer mortgages?

Northern Home Loans offers mortgages in 4 states: CT, FL, MA, NH.

How competitive are Northern Home Loans's mortgage rates?

Northern Home Loans has an overall pricing score of 64.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Northern Home Loans?

Northern Home Loans is a Independent Mortgage Company headquartered in WOBURN, MA.

Unclaimed

Northern Home Loans

Independent Mortgage Company•Woburn, MAHQ•Direct•Reviews near you on Google

Northern Home Loans has 63 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional · Jumbo

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Northern Home Loans performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+0.0 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

52 loans · 0.01% below market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

11 loans · 0.07% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

51 loans · 0.03% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

12 loans · 0.18% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Strong	Sound	52	82.5%	-0.010%Below	$570Fees
Jumbo Loans	Sound	Sound	—	—	11	17.5%	+0.071%Above	$512Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume52

Mix82.5%

Spread

-0.010%Below

Fees

$570Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume11

Mix17.5%

Spread

+0.071%Above

Fees

$512Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Sound	51	81.0%	-0.030%Below	$630Fees
Refinance	Acceptable	Acceptable	—	—	12	19.0%	+0.184%Above	$159Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume51

Mix81.0%

Spread

-0.030%Below

Fees

$630Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through—

Volume12

Mix19.0%

Spread

+0.184%Above

Fees

$159Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$37 million

Pricing & Closing

Avg Rate Spread

+0.000%

vs. market APOR

Avg Net Fees

$563

Origination − Credits

Pullthrough Rate

85.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$597,540

Avg Borrower Income

$288,698

Avg Property Value

$915,159

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

< 1010+None

Northeast3

CTMANH

South1

Top Metro Areas by Place Specialization Score

Cambridge, MAMetro

Volume 38Mix 60.32% of portfolio

64/100

Strong

Top States by Place Specialization Score

MassachusettsState

Volume 51Mix 80.95% of portfolio

63/100

Strong

New HampshireState

Volume 10Mix 15.87% of portfolio

47/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.

Looking for a different lender?

Are you the owner of Northern Home Loans?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.