# Northwest Community Bank

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

> **📋 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 Community Bank is a bank, headquartered in Winsted, CT, serving borrowers across 3 states, with 101 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 6% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 58% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900W4EKVR6GZ0KS84
- **Headquarters:** Winsted, CT
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** CT, MA, VT
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.2%
- **Brokered/Wholesale:** 0.8%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 94/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.150%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $621
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 101
- **Dollar Volume:** $42 million
- **Applications Received:** 118
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $416,386
- **Average Borrower Income:** $220,248

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 33/100 | 92 | -0.137% | $626 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 72 loans, Score: 33/100 (Acceptable)
- Refinance: 20 loans, Score: 35/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 35/100 | 79 | $33M | -0.193% | Acceptable 🙂 |
| Refinance | 35/100 | 22 | $9M | +0.015% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CT | 98 | 0.28% | 72/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 49 | 51/100 |
| Hartford | CT | 34 | 63/100 |

## Frequently Asked Questions

### What loan types does Northwest Community Bank offer?

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

### Where does Northwest Community Bank offer mortgages?

Northwest Community Bank offers mortgages in 3 states: CT, MA, VT.

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

Northwest Community Bank has a pricing score of 94/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.150% below market average.

### What type of lender is Northwest Community Bank?

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

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

Northwest Community Bank has a pull-through score of 42/100 (Sound). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/northwest-community-bank

### How to Cite

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

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