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Northwest Bank

Bank•Warren, PAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Northwest Bank — 814 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Multi-Region · 8 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and VA loans

Explore another lender or local market

Report Card

Northwest Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+24.4 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Acceptable
Bottom 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume756
Mix92.9%
Spread
+0.264%Above
Fees
$1,096Fees
FHA Loans
Overall
Sound
Product
Acceptable
Pricing
Exceptional
Pull Through
Acceptable
Volume21
Mix2.6%
Spread
+0.125%Above
Fees
$1,162Fees
VA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume23
Mix2.8%
Spread
-0.279%Below
Fees
$1,303Fees
USDA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume13
Mix1.6%
Spread
+0.011%Above
Fees
$925Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume717
Mix88.1%
Spread
+0.181%Above
Fees
$1,117Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume97
Mix11.9%
Spread
+0.689%Above
Fees
$978Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
814
Applications
1,122
Volume
$159 million
Pricing & Closing
Avg Rate Spread
+0.244%
vs. market APOR
Avg Net Fees
$1,099
Origination − Credits
Pullthrough Rate
72.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$196,044
Avg Borrower Income
$98,200
Avg Property Value
$258,747

Geographic Coverage

Geographic Performance

Metro Areas
8
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

6
6 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
NYPA
Midwest3
ILINOH
South1
FL

Top Metro Areas by Place Specialization Score

1© Quintin Soloviev · CC BY 4.0
Buffalo, NYMetro
Volume 220Mix 27.03% of portfolio
80/100
Exceptional
2© Dan Gaken · CC BY 2.0
Pittsburgh, PAMetro
Volume 75Mix 9.21% of portfolio
68/100
Strong
3© User:Cards84664 · CC BY-SA 4.0
Erie, PAMetro
Volume 42Mix 5.16% of portfolio
64/100
Strong
4© Unknown · Public domain
Muncie, INMetro
Volume 24Mix 2.95% of portfolio
59/100
Sound
5© Randolph Carney · CC BY-SA 3.0
Lancaster, PAMetro
Volume 23Mix 2.83% of portfolio
56/100
Sound
6© Warren LeMay from Cincinnati, OH, United States · CC0
Cleveland, OHMetro
Volume 26Mix 3.19% of portfolio
52/100
Sound
7© Jeffrey Hayes · CC BY 2.0
Harrisburg, PAMetro
Volume 14Mix 1.72% of portfolio
47/100
Sound
8© Paul Sableman from St. Louis, MO · CC BY 2.0
South Bend, IN-MIMetro
Volume 14Mix 1.72% of portfolio
47/100
Sound

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 358Mix 43.98% of portfolio
78/100
Strong
New York
New York
2
New YorkState
Volume 285Mix 35.01% of portfolio
75/100
Strong
Indiana
Indiana
3
IndianaState
Volume 130Mix 15.97% of portfolio
65/100
Strong
Ohio
Ohio
4
OhioState
Volume 39Mix 4.79% of portfolio
51/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.

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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.