Lender in Pennsylvania · HMDA 2025
Northwest Bank mortgages in Pennsylvania
Northwest Bank's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
Northwest Bank originated 653 owner-occupied single-family loans in Pennsylvania from 770 completed applications.
Its median conventional purchase loan costs were $4,320 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.625% (Pennsylvania: 6.625%).
Loans in PA
653
of 770 applications
Denial rate
10.6%
Purchase · PA 6.7%
Rate spread
+0.17 pts
Conv. · PA +0.17 pts
Loan amount
$165,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 546 | 485 | 10.6% | 6.625% | +0.17 pts | $4,320 | $165,000 |
| Refinance | 38 | 27 | 28.9% | — | +0.40 pts | $260 | $125,000 |
| Cash-out refinance | 186 | 141 | 23.1% | — | +0.18 pts | $200 | $105,000 |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where Northwest Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Warren County | 2 | 53 | 16.1% |
| McKean County | 2 | 30 | 13.4% |
| Venango County | 3 | 39 | 10.2% |
| Clearfield County | 3 | 34 | 4.8% |
| Elk County | 3 | 34 | 13.3% |
| Clinton County | 3 | 25 | 7.0% |
| Clarion County | 3 | 20 | 7.5% |
| Cameron County | 3 | 3 | 13.0% |
| Forest County | 4 | 2 | 7.7% |
| Erie County | 6 | 81 | 3.2% |
| Lycoming County | 7 | 35 | 3.4% |
| Crawford County | 8 | 18 | 2.8% |
| Potter County | 9 | 5 | 4.2% |
| Armstrong County | 11 | 11 | 2.2% |
| Mifflin County | 11 | 6 | 1.6% |
| Centre County | 12 | 22 | 1.8% |
| Jefferson County | 13 | 7 | 2.2% |
| Tioga County | 13 | 5 | 1.5% |
| Cambria County | 14 | 16 | 1.4% |
| Blair County | 16 | 25 | 2.2% |
| Luzerne County | 24 | 35 | 1.1% |
| Huntingdon County | 25 | 3 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology