Northwest Bank in Pennsylvania vs the state
17.7%Denial rate-0.56 pts vs state
19.9%Decision denial rate-2.33 pts vs state
70.7%Origination rate+9.73 pts vs state
6.25%Median rate-0.38 pts vs state
-0.04Rate spread (pts)-0.28 pts vs state
$80kMedian applicant income
2,412Loans originated
605Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,488 | 2,362 | 19.8% | 6.75% | #28 |
| 2024 | 2,528 | 1,703 | 19.6% | 7.25% | #41 |
| 2025 | 3,412 | 2,412 | 17.7% | 6.25% | #33 |
What Northwest Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Northwest Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erie County | 524 | 391 | 79 | 15.1% |
| Allegheny County | 259 | 175 | 55 | 21.2% |
| Lancaster County | 235 | 172 | 45 | 19.1% |
| Warren County | 226 | 160 | 36 | 15.9% |
| Venango County | 177 | 141 | 26 | 14.7% |
| Centre County | 146 | 104 | 23 | 15.8% |
| Lycoming County | 138 | 86 | 25 | 18.1% |
| Luzerne County | 132 | 78 | 32 | 24.2% |
| Crawford County | 132 | 107 | 13 | 9.8% |
| Elk County | 131 | 93 | 26 | 19.8% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 3,412 applications in 2025, of which 2,412 were originated and 605 denied.
17.7% of all applications, or 19.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Northwest Bank originated in Pennsylvania 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 Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology