Northwest Bank in Ohio vs the state
23.0%Denial rate+5.34 pts vs state
25.7%Decision denial rate+3.76 pts vs state
65.0%Origination rate+5.11 pts vs state
6.00%Median rate-0.88 pts vs state
-0.52Rate spread (pts)-0.91 pts vs state
$79kMedian applicant income
223Loans originated
79Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 529 | 335 | 21.2% | 6.75% | #108 |
| 2024 | 334 | 232 | 19.5% | 7.25% | #157 |
| 2025 | 343 | 223 | 23.0% | 6.00% | #180 |
What Northwest Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Northwest Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lorain County | 213 | 134 | 53 | 24.9% |
| Cuyahoga County | 28 | 17 | 8 | 28.6% |
| Summit County | 21 | 19 | 2 | 9.5% |
| Erie County | 13 | 9 | 2 | 15.4% |
| Lake County | 12 | 5 | 5 | 41.7% |
| Franklin County | 11 | 9 | 1 | 9.1% |
| Ashtabula County | 8 | 5 | 2 | 25.0% |
| Delaware County | 7 | 5 | 1 | 14.3% |
| Ottawa County | 3 | 2 | 1 | 33.3% |
| Geauga County | 3 | 2 | 1 | 33.3% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 343 applications in 2025, of which 223 were originated and 79 denied.
23.0% of all applications, or 25.7% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Northwest Bank originated in Ohio in 2025 was 6.00%, against a statewide median of 6.88%.
About this data. Figures are Northwest Bank's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology