Northern Bank Ground-Up Construction wholesale program
Northern Bank (Not published by the lender) advertises Ground-Up Construction lending to mortgage brokers. Last checked 2026-08-07.
Field-level sources and last-checked dates
Program offered to brokers: Northern Bank advertises Ground-Up Construction lending on its public broker materials — source: Northern Bank broker portal, checked 2026-08-07 (lender published, confidence high)
Headquarters: Not published by the lender — source: Northern Bank broker portal, checked 2026-08-07 (lender published, confidence high)
Broker footprint: Broker footprint not published by the lender — source: Northern Bank broker portal, checked 2026-08-07 (lender published, confidence medium)
How the product is structured: Land plus vertical construction financed against total project cost with staged draws and an experience requirement for the builder. — source: Ground-Up Construction channel structure notes — LoanOfficer.ai methodology, checked 2026-07-26 (category guidance, confidence medium)
Loan parameters shown in search are category-level structural guidance describing how this product type is commonly written in the wholesale channel. They are not the lender's published guidelines and are not a pre-approval. Every result links to the lender's own public broker materials with the date we last checked it — confirm current terms with the lender before quoting.
What we can verify about this program
Northern Bank does not publish a headquarters location in the materials we checked. Broker footprint not published by the lender. Its public broker materials referenced ground-up construction lending when we last checked them on 2026-08-07, alongside 1 other advertised product type in this directory. Northern Bank does not publish a comparable wholesale-only production figure, so no volume is shown on this page.
Land plus vertical construction financed against total project cost with staged draws and an experience requirement for the builder. In the wholesale channel this product type is commonly written from a 660 minimum FICO up to 75% LTV, on loan amounts between $150K and $5M. Accepted documentation typically includes no ratio, asset only, with investment property occupancy and single family, 2-4 unit, 5+ unit / multifamily, land / ground-up property types in scope. Those parameters describe the channel, not Northern Bank's own matrix — pull the current guideline from the lender before you quote.
Northern Bank ground-up construction questions brokers ask
Does Northern Bank offer ground-up construction loans to mortgage brokers?
Yes. Northern Bank's public broker materials referenced ground-up construction lending when we last checked on 2026-08-07. Broker approval and program eligibility are decided by Northern Bank, not by this directory — start at its northern bank broker portal and confirm current requirements.
What FICO and LTV should I expect on a ground-up construction file at Northern Bank?
Northern Bank does not publish its ground-up construction matrix on a public page, so this profile shows the channel-typical structure instead: a 660 minimum score and leverage up to 75% LTV. Treat that as a starting point and verify the live guideline with your account executive.
What loan amounts and documentation types apply to ground-up construction lending?
In the wholesale channel this product is generally written between $150K and $5M, using no ratio, asset only documentation on investment property occupancy. Northern Bank may sit tighter or looser than that range on any single field.
Where do I get Northern Bank's actual ground-up construction guidelines?
From Northern Bank directly — its northern bank broker portal is linked in every source column on this page. Northern Bank does not appear in the published wholesale volume ranking we reference, which is a reporting gap rather than a quality signal.