Northwest Community Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
81st3.4% deniedPricingmedian rate spread over APOR, weight 30%
85th-0.04 ptsProcesswithdrawn + incomplete share, weight 15%
59th9.7%Closing coststotal loan costs ÷ loan amount, weight 10%
66th1.49% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 307 | 264 | 5.2% | 5.6% | 5.63% | $77M |
| 2024 | 254 | 210 | 4.3% | 4.9% | 6.50% | $72M |
| 2025 | 226 | 196 | 3.1% | 3.4% | 6.38% | $99M |
What Northwest Community Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 56 investment properties.
Why Northwest Community Bank denies applications
Primary reason reported for each of the 7 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Northwest Community Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 44 | 33 | 10.5% |
| $100k – $150k | 36 | 30 | 3.2% |
| $150k – $250k | 44 | 41 | 2.4% |
| Over $250k | 59 | 52 | 1.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 31 | 26 | 3.7% |
| 35–44 | 48 | 40 | 6.8% |
| 45–54 | 45 | 43 | 0.0% |
| 55–64 | 41 | 36 | 0.0% |
Where Northwest Community Bank lends
3 states and 12 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Connecticut | 223 | 193 | 3.1% | 6.38% | #96 |
Frequently asked questions
Northwest Community Bank denied 3.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 81st percentile of small mortgage lenders.
The most common reason Northwest Community Bank gave in 2025 was "debt-to-income ratio", cited on 42.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Northwest Community Bank originated in 2025 was 6.38%, and its median rate spread over the average prime offer rate was -0.04 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 54% of its applications were for home purchases, 28% for refinancing (including cash-out), and 18% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.