# Northwest Bank

> **Canonical URL:** https://saferate.com/lenders/northwest-bank-pa


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Northwest Bank is a bank, headquartered in Warren, PA, serving borrowers across 6 states, with 814 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 28% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** LVR1UQE8OOCO93IHEB52
- **Headquarters:** Warren, PA
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** FL, IL, IN, NY, OH, PA
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.244%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,099
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 814
- **Dollar Volume:** $160 million
- **Applications Received:** 1,122
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $196,044
- **Average Borrower Income:** $98,200
- **Average Property Value:** $258,747

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 67/100 | 756 | +0.264% | $1,096 | Strong 😀 |
| FHA | 38/100 | 21 | +0.125% | $1,162 | Acceptable 🙂 |
| VA | 64/100 | 23 | -0.279% | $1,303 | Strong 😀 |
| USDA | 48/100 | 13 | +0.011% | $925 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 662 loans, Score: 68/100 (Strong)
- Refinance: 94 loans, Score: 58/100 (Sound)

**FHA:**
- Purchase: 21 loans, Score: 37/100 (Acceptable)

**VA:**
- Purchase: 20 loans, Score: 60/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 67/100 | 717 | $147M | +0.181% | Strong 😀 |
| Refinance | 56/100 | 97 | $13M | +0.689% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 358 | 0.30% | 78/100 |
| NY | 285 | 0.25% | 75/100 |
| IN | 130 | 0.14% | 65/100 |
| OH | 39 | 0.03% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 308 | 69/100 |
| Buffalo | NY | 220 | 80/100 |
| Pittsburgh, PA | PA | 75 | 68/100 |
| Erie, PA | PA | 42 | 64/100 |
| Cleveland, OH | OH | 26 | 52/100 |
| Muncie, IN | IN | 24 | 59/100 |
| Lancaster, PA | PA | 23 | 56/100 |
| Harrisburg | PA | 14 | 47/100 |
| South Bend | IN-MI | 14 | 47/100 |

## Where This Lender Ranks

Northwest Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Buffalo for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Erie, PA Banks
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/banks)
- 🥉 **#3** in Buffalo Banks
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/banks)
- 🥉 **#3** in Erie, PA
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders)
- 🏆 **#4** in Pennsylvania for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#4** in Buffalo
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders)
- 🏆 **#4** in Muncie, IN Banks
  - [View Full Rankings](https://saferate.com/muncie-in/best-mortgage-lenders/banks)
- 🏆 **#5** in New York for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/banks/va-loans)
- 🏆 **#5** in Buffalo for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Buffalo for VA Loans
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Muncie, IN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/muncie-in/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Pennsylvania for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/va-loans)
- 🏆 **#6** in Buffalo for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Erie, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Muncie, IN
  - [View Full Rankings](https://saferate.com/muncie-in/best-mortgage-lenders)
- 🏆 **#10** in Pittsburgh, PA Banks
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/banks)
- 🏆 **#11** in Buffalo for Conventional Loans
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in Muncie, IN for Conventional Loans
  - [View Full Rankings](https://saferate.com/muncie-in/best-mortgage-lenders/conventional-loans)
- 🏆 **#12** in Erie, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/conventional-loans)
- 🏆 **#12** in South Bend for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/south-bend/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Northwest Bank offer?

Northwest Bank offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Northwest Bank offer mortgages?

Northwest Bank offers mortgages in 6 states: FL, IL, IN, NY, OH, PA.

### How competitive are Northwest Bank's mortgage rates?

Northwest Bank has a pricing score of 72/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.244% above market average.

### What type of lender is Northwest Bank?

Northwest Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Warren, PA.

### What is Northwest Bank's loan approval success rate?

Northwest Bank has a pull-through score of 64/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/northwest-bank-pa

### How to Cite

> "Northwest Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/northwest-bank-pa

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