Northwest Bank in New York vs the state
18.5%Denial rate-1.25 pts vs state
20.6%Decision denial rate-3.42 pts vs state
70.8%Origination rate+11.17 pts vs state
6.25%Median rate-0.38 pts vs state
-0.12Rate spread (pts)-0.33 pts vs state
$96kMedian applicant income
1,021Loans originated
267Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,836 | 1,258 | 19.6% | 6.50% | #43 |
| 2024 | 1,354 | 872 | 23.3% | 7.25% | #51 |
| 2025 | 1,443 | 1,021 | 18.5% | 6.25% | #59 |
What Northwest Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Northwest Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erie County | 821 | 585 | 150 | 18.3% |
| Niagara County | 267 | 187 | 54 | 20.2% |
| Chautauqua County | 225 | 163 | 35 | 15.6% |
| Monroe County | 58 | 35 | 16 | 27.6% |
| Cattaraugus County | 33 | 24 | 4 | 12.1% |
| Orleans County | 6 | 3 | 2 | 33.3% |
| Genesee County | 5 | 3 | 2 | 40.0% |
| Steuben County | 4 | 4 | 0 | 0.0% |
| Onondaga County | 4 | 3 | 1 | 25.0% |
| Wyoming County | 3 | 2 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 1,443 applications in 2025, of which 1,021 were originated and 267 denied.
18.5% of all applications, or 20.6% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Northwest Bank originated in New York in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Northwest Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology