Northwest Bank (Pennsylvania) mortgage approval rate & lending review
Northwest Bank (Pennsylvania) decided 8,231 mortgage applications and funded 6,551 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Northwest Bank (Pennsylvania) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Northwest Bank (Pennsylvania) at a glance
Approval is 7.9 points above the 72.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 2,149 / 2,339 | 99% | $215K | 2,138 |
| Home improvement loans | 75% | 2,063 / 2,766 | 98% | $65K | 2,032 |
| Cash-out refinance | 79% | 1,793 / 2,260 | 99% | $115K | 1,778 |
| Refinance | 74% | 248 / 337 | 98% | $75K | 244 |
| Investment property purchase | 83% | 223 / 270 | 98% | $135K | 218 |
| Investment cash-out refinance | 58% | 39 / 67 | 100% | $115K | 39 |
| Investment refinance | 61% | 19 / 31 | 95% | $105K | 18 |
| Investment home improvement | 55% | 89 / 161 | 94% | $55K | 84 |
Northwest Bank (Pennsylvania) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 82% | $105K | 3,664 | 2,962 |
| New York | 80% | $125K | 3,082 | 2,425 |
| Indiana | 81% | $105K | 746 | 603 |
| Ohio | 76% | $125K | 679 | 508 |
| Florida | 87% | $405K | 23 | 19 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Northwest Bank (Pennsylvania) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Erie County, NY | Mortgage lenders | 93% | 635 | 590 |
| Erie County, NY | Cash-out refinance | 77% | 524 | 400 |
| Erie County, NY | Home improvement loans | 71% | 563 | 394 |
| Erie County, PA | Home improvement loans | 81% | 434 | 347 |
| Erie County, PA | Cash-out refinance | 80% | 275 | 218 |
| Erie County, PA | Mortgage lenders | 92% | 228 | 210 |
| Niagara County, NY | Mortgage lenders | 93% | 189 | 175 |
| Lancaster County, PA | Cash-out refinance | 85% | 194 | 163 |
| Lancaster County, PA | Home improvement loans | 77% | 207 | 158 |
| Chautauqua County, NY | Mortgage lenders | 90% | 173 | 155 |
| Niagara County, NY | Home improvement loans | 72% | 189 | 132 |
| Lorain County, OH | Home improvement loans | 76% | 177 | 131 |
The county markets where Northwest Bank (Pennsylvania) made the most loans. Each link opens that market with every lender ranked.
Questions about Northwest Bank (Pennsylvania)
What is Northwest Bank (Pennsylvania)'s mortgage approval rate?
Northwest Bank (Pennsylvania) approved 80.5% of the 8,231 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.9 points above the 72.6% national rate for the same mix of loan types.
How often do borrowers take the loan Northwest Bank (Pennsylvania) offers?
Borrowers accepted 99% of the loans Northwest Bank (Pennsylvania) approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Northwest Bank (Pennsylvania) make?
The typical home improvement loan loan Northwest Bank (Pennsylvania) made was $65K; across all loan types its typical loan ran from $55K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Northwest Bank (Pennsylvania) lend?
Northwest Bank (Pennsylvania) decided applications in 16 of the states Fat Boy Data covers, most of them in Pennsylvania, New York and Indiana.
Can I apply to Northwest Bank (Pennsylvania) directly?
Yes. Northwest Bank (Pennsylvania) is a bank or credit union with 189 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Northwest Bank (Pennsylvania)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Northwest Bank (Pennsylvania) treats applications, then get a rate quote from the lender.