Northwest Bank Mortgage Lending & HMDA Data, 2025

In 2025, Northwest Bank of Warren, PA reported 5,918 mortgage applications totaling $795.9 million, up 22% from 2024. The average application was for $134,486, and applicants reported an average income of $108,841. 70% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Buffalo-Cheektowaga-Niagara Falls, NY (1,088), Pittsburgh, PA (537) and Erie, PA (524) (applications in parentheses).

Mortgage Company & Address Northwest Bank
100 Liberty Street
Warren, PA 16365
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  
Total Number of Mortgage Applications 5,918
Total Mortgage Loan Application Amount $795,890,000
Average Mortgage Loan Application Amount $134,486
Highest Mortgage Loan Application Amount $26,505,000
Average Applicant Income $108,841
Highest Applicant Income $4,324,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Northwest Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Northwest Bank by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Erie, New York 821 $ 150,255,000 $ 183,014 $ 144,000
Erie, Pennsylvania 524 $ 55,480,000 $ 105,877 $ 96,000
Niagara, New York 267 $ 35,835,000 $ 134,213 $ 101,000
Allegheny, Pennsylvania 259 $ 36,535,000 $ 141,061 $ 136,000
Lancaster, Pennsylvania 235 $ 32,565,000 $ 138,574 $ 124,000
Warren, Pennsylvania 226 $ 22,050,000 $ 97,566 $ 82,000
Chautauqua, New York 225 $ 25,005,000 $ 111,133 $ 87,000
Lorain, Ohio 214 $ 23,390,000 $ 109,299 $ 91,000
Venango, Pennsylvania 177 $ 17,045,000 $ 96,299 $ 87,000
Delaware, Indiana 169 $ 18,145,000 $ 107,366 $ 98,000
Centre, Pennsylvania 146 $ 19,720,000 $ 135,068 $ 125,000
Lycoming, Pennsylvania 138 $ 18,170,000 $ 131,666 $ 94,000
Crawford, Pennsylvania 132 $ 12,480,000 $ 94,545 $ 92,000
Luzerne, Pennsylvania 132 $ 18,280,000 $ 138,484 $ 80,000
Elk, Pennsylvania 131 $ 11,535,000 $ 88,053 $ 81,000
McKean, Pennsylvania 120 $ 9,850,000 $ 82,083 $ 85,000
St. Joseph, Indiana 109 $ 13,115,000 $ 120,321 $ 145,000
Lebanon, Pennsylvania 106 $ 14,980,000 $ 141,320 $ 121,000
Clinton, Pennsylvania 102 $ 13,310,000 $ 130,490 $ 86,000
Butler, Pennsylvania 101 $ 13,895,000 $ 137,574 $ 134,000
Clearfield, Pennsylvania 92 $ 9,520,000 $ 103,478 $ 74,000
Kosciusko, Indiana 91 $ 8,235,000 $ 90,494 $ 88,000
Washington, Pennsylvania 80 $ 8,660,000 $ 108,250 $ 93,000
Grant, Indiana 74 $ 5,300,000 $ 71,621 $ 63,000
Clarion, Pennsylvania 71 $ 6,625,000 $ 93,309 $ 78,000
Potter, Pennsylvania 63 $ 5,075,000 $ 80,555 $ 93,000
Monroe, New York 58 $ 8,480,000 $ 146,206 $ 141,000
Cambria, Pennsylvania 54 $ 5,120,000 $ 94,814 $ 85,000
Blair, Pennsylvania 53 $ 6,845,000 $ 129,150 $ 73,000
Dauphin, Pennsylvania 51 $ 8,825,000 $ 173,039 $ 136,000
Greene, Indiana 49 $ 4,465,000 $ 91,122 $ 61,000
Tioga, Pennsylvania 48 $ 5,560,000 $ 115,833 $ 95,000
Armstrong, Pennsylvania 47 $ 4,885,000 $ 103,936 $ 89,000
Elkhart, Indiana 39 $ 4,645,000 $ 119,102 $ 95,000
York, Pennsylvania 36 $ 4,530,000 $ 125,833 $ 109,000
Cattaraugus, New York 33 $ 5,615,000 $ 170,151 $ 153,000
Randolph, Indiana 32 $ 2,760,000 $ 86,250 $ 100,000
Cuyahoga, Ohio 28 $ 3,570,000 $ 127,500 $ 136,000
Forest, Pennsylvania 26 $ 2,250,000 $ 86,538 $ 71,000
Summit, Ohio 21 $ 4,495,000 $ 214,047 $ 203,000
Westmoreland, Pennsylvania 18 $ 2,510,000 $ 139,444 $ 117,000
Mercer, Pennsylvania 17 $ 1,435,000 $ 84,411 $ 89,000
Hamilton, Indiana 16 $ 3,810,000 $ 238,125 $ 172,000
Berks, Pennsylvania 14 $ 28,780,000 $ 2,055,714 $ 136,000
Cumberland, Pennsylvania 14 $ 2,270,000 $ 162,142 $ 166,000
Monroe, Indiana 13 $ 2,025,000 $ 155,769 $ 85,000
Erie, Ohio 13 $ 1,275,000 $ 98,076 $ 87,000
Beaver, Pennsylvania 13 $ 1,365,000 $ 105,000 $ 98,000
Huntingdon, Pennsylvania 13 $ 1,485,000 $ 114,230 $ 99,000
Jefferson, Pennsylvania 13 $ 1,495,000 $ 115,000 $ 66,000
Lawrence, Pennsylvania 13 $ 1,165,000 $ 89,615 $ 91,000
Northumberland, Pennsylvania 13 $ 1,545,000 $ 118,846 $ 73,000
Lake, Ohio 12 $ 2,200,000 $ 183,333 $ 107,000
Cameron, Pennsylvania 12 $ 860,000 $ 71,666 $ 60,000
Franklin, Ohio 11 $ 2,885,000 $ 262,272 $ 230,000
Mifflin, Pennsylvania 11 $ 1,525,000 $ 138,636 $ 88,000
Somerset, Pennsylvania 11 $ 695,000 $ 63,181 $ 68,000
Madison, Indiana 9 $ 1,155,000 $ 128,333 $ 79,000
Indiana, Pennsylvania 9 $ 755,000 $ 83,888 $ 106,000
Union, Pennsylvania 9 $ 1,755,000 $ 195,000 $ 120,000
Jay, Indiana 8 $ 490,000 $ 61,250 $ 60,000
Ashtabula, Ohio 8 $ 810,000 $ 101,250 $ 64,000
Henry, Indiana 7 $ 345,000 $ 49,285 $ 75,000
Marion, Indiana 7 $ 1,105,000 $ 157,857 $ 79,000
Delaware, Ohio 7 $ 2,055,000 $ 293,571 $ 279,000
Columbia, Pennsylvania 7 $ 575,000 $ 82,142 $ 99,000
Schuylkill, Pennsylvania 7 $ 1,085,000 $ 155,000 $ 89,000
Blackford, Indiana 6 $ 310,000 $ 51,666 $ 63,000
Clay, Indiana 6 $ 260,000 $ 43,333 $ 40,000
Jackson, Indiana 6 $ 1,000,000 $ 166,666 $ 129,000
Cass, Michigan 6 $ 1,120,000 $ 186,666 $ 170,000
Orleans, New York 6 $ 1,140,000 $ 190,000 $ 131,000
Fayette, Pennsylvania 6 $ 540,000 $ 90,000 $ 101,000
Lackawanna, Pennsylvania 6 $ 1,560,000 $ 260,000 $ 99,000
Montgomery, Pennsylvania 6 $ 660,000 $ 110,000 $ 196,000
Lawrence, Indiana 5 $ 815,000 $ 163,000 $ 104,000
Sullivan, Indiana 5 $ 955,000 $ 191,000 $ 77,000
Genesee, New York 5 $ 685,000 $ 137,000 $ 160,000
Bradford, Pennsylvania 5 $ 1,005,000 $ 201,000 $ 157,000
Chester, Pennsylvania 5 $ 1,725,000 $ 345,000 $ 160,000
Allen, Indiana 4 $ 740,000 $ 185,000 $ 97,000
Howard, Indiana 4 $ 390,000 $ 97,500 $ 73,000
Onondaga, New York 4 $ 820,000 $ 205,000 $ 121,000
Steuben, New York 4 $ 440,000 $ 110,000 $ 95,000
Carbon, Pennsylvania 4 $ 380,000 $ 95,000 $ 71,000
Montour, Pennsylvania 4 $ 740,000 $ 185,000 $ 110,000
Perry, Pennsylvania 4 $ 1,010,000 $ 252,500 $ 175,000
Snyder, Pennsylvania 4 $ 1,050,000 $ 262,500 $ 72,000
Wyoming, Pennsylvania 4 $ 530,000 $ 132,500 $ 82,000
Hillsborough, Florida 3 $ 3,445,000 $ 1,148,333 $ 691,000
Wabash, Indiana 3 $ 355,000 $ 118,333 $ 48,000
Baltimore, Maryland 3 $ 405,000 $ 135,000 $ 213,000
Berrien, Michigan 3 $ 1,045,000 $ 348,333 $ 705,000
Suffolk, New York 3 $ 2,065,000 $ 688,333 $ 294,000
Wyoming, New York 3 $ 745,000 $ 248,333 $ 120,000
Geauga, Ohio 3 $ 565,000 $ 188,333 $ 136,000
Hamilton, Ohio 3 $ 805,000 $ 268,333 $ 147,000
Ottawa, Ohio 3 $ 475,000 $ 158,333 $ 209,000
Bedford, Pennsylvania 3 $ 405,000 $ 135,000 $ 45,000
Juniata, Pennsylvania 3 $ 155,000 $ 51,666 $ 75,000
Lehigh, Pennsylvania 3 $ 475,000 $ 158,333 $ 155,000
Philadelphia, Pennsylvania 3 $ 1,055,000 $ 351,666 $ 355,000
Manatee, Florida 2 $ 180,000 $ 90,000 $ 119,000
Bartholomew, Indiana 2 $ 390,000 $ 195,000 $ 92,000
Daviess, Indiana 2 $ 230,000 $ 115,000 $ 47,000
Knox, Indiana 2 $ 280,000 $ 140,000 $ 56,000
Marshall, Indiana 2 $ 160,000 $ 80,000 $ 100,000
Martin, Indiana 2 $ 130,000 $ 65,000 $ 81,000
Morgan, Indiana 2 $ 160,000 $ 80,000 $ 114,000
Owen, Indiana 2 $ 220,000 $ 110,000 $ 51,000
Allegany, New York 2 $ 260,000 $ 130,000 $ 60,000
Wayne, New York 2 $ 620,000 $ 310,000 $ 194,000
Westchester, New York 2 $ 1,580,000 $ 790,000 $ 619,000
Columbiana, Ohio 2 $ 650,000 $ 325,000 $ 349,000
Huron, Ohio 2 $ 170,000 $ 85,000 $ 43,000
Licking, Ohio 2 $ 280,000 $ 140,000 $ 147,000
Medina, Ohio 2 $ 660,000 $ 330,000 $ 112,000
Stark, Ohio 2 $ 330,000 $ 165,000 $ 67,000
Delaware, Pennsylvania 2 $ 550,000 $ 275,000 $ 191,000
Greene, Pennsylvania 2 $ 190,000 $ 95,000 $ 101,000
Monroe, Pennsylvania 2 $ 170,000 $ 85,000 $ 117,000
Sullivan, Pennsylvania 2 $ 140,000 $ 70,000 $ 569,000
Western Connecticut Planning Region, Connecticut 1 $ 615,000 $ 615,000 $ 175,000
Sarasota, Florida 1 $ 1,125,000 $ 1,125,000 $ 367,000
St. Johns, Florida 1 $ 595,000 $ 595,000 $ 305,000
Chatham, Georgia 1 $ 185,000 $ 185,000 $ 61,000
Fulton, Georgia 1 $ 845,000 $ 845,000 $ 276,000
Boone, Indiana 1 $ 255,000 $ 255,000 $ 509,000
Gibson, Indiana 1 $ 195,000 $ 195,000 $ 83,000
Hendricks, Indiana 1 $ 505,000 $ 505,000 $ 187,000
Jennings, Indiana 1 $ 205,000 $ 205,000 $ 53,000
LaGrange, Indiana 1 $ 25,000 $ 25,000 $ 70,000
LaPorte, Indiana 1 $ 85,000 $ 85,000 $ 106,000
Miami, Indiana 1 $ 55,000 $ 55,000 $ 55,000
Noble, Indiana 1 $ 225,000 $ 225,000 $ 101,000
Orange, Indiana 1 $ 65,000 $ 65,000 $ 53,000
Starke, Indiana 1 $ 165,000 $ 165,000 $ 56,000
Wells, Indiana 1 $ 155,000 $ 155,000 $ 251,000
Daviess, Kentucky 1 $ 305,000 $ 305,000 $ 203,000
Gogebic, Michigan 1 $ 505,000 $ 505,000 $ 220,000
Ingham, Michigan 1 $ 85,000 $ 85,000 $ 120,000
Rockingham, New Hampshire 1 $ 1,415,000 $ 1,415,000 $ 0
Albany, New York 1 $ 425,000 $ 425,000 $ 143,000
Chemung, New York 1 $ 215,000 $ 215,000 $ 67,000
Chenango, New York 1 $ 105,000 $ 105,000 $ 600,000
Herkimer, New York 1 $ 505,000 $ 505,000 $ 0
Kings, New York 1 $ 635,000 $ 635,000 $ 246,000
Livingston, New York 1 $ 305,000 $ 305,000 $ 0
Ontario, New York 1 $ 375,000 $ 375,000 $ 128,000
Rensselaer, New York 1 $ 745,000 $ 745,000 $ 504,000
Ashland, Ohio 1 $ 65,000 $ 65,000 $ 42,000
Butler, Ohio 1 $ 385,000 $ 385,000 $ 262,000
Defiance, Ohio 1 $ 55,000 $ 55,000 $ 144,000
Fairfield, Ohio 1 $ 185,000 $ 185,000 $ 93,000
Hancock, Ohio 1 $ 95,000 $ 95,000 $ 89,000
Holmes, Ohio 1 $ 85,000 $ 85,000 $ 1,266,000
Mahoning, Ohio 1 $ 55,000 $ 55,000 $ 109,000
Portage, Ohio 1 $ 65,000 $ 65,000 $ 63,000
Richland, Ohio 1 $ 215,000 $ 215,000 $ 79,000
Union, Ohio 1 $ 85,000 $ 85,000 $ 0
Wayne, Ohio 1 $ 325,000 $ 325,000 $ 86,000
Bucks, Pennsylvania 1 $ 75,000 $ 75,000 $ 91,000
Northampton, Pennsylvania 1 $ 745,000 $ 745,000 $ 655,000
Cumberland, Tennessee 1 $ 235,000 $ 235,000 $ 63,000
Weakley, Tennessee 1 $ 185,000 $ 185,000 $ 0
Brooke, West Virginia 1 $ 65,000 $ 65,000 $ 34,000
Wood, West Virginia 1 $ 275,000 $ 275,000 $ 0

Mortgage Loan Application Detail Totals for Northwest Bank in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Improvement 1,626 $130,280,000 $80,000 $705,000 $105,000 $2,041,000
Other Purpose 1,415 $139,675,000 $98,000 $505,000 $108,000 $4,324,000
Home Purchase 1,376 $319,810,000 $232,000 $26,505,000 $111,000 $1,600,000
Cash-out Refinancing 1,302 $179,120,000 $137,000 $1,155,000 $115,000 $1,916,000
Refinancing 199 $27,005,000 $135,000 $1,755,000 $91,000 $600,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 4,939 $613,575,000 $124,000 $1,765,000 $106,000 $2,041,000
Not Provided 584 $93,920,000 $160,000 $2,405,000 $131,000 $2,041,000
Hispanic 136 $14,790,000 $108,000 $575,000 $80,000 $360,000
Black or African American 127 $18,625,000 $146,000 $1,275,000 $98,000 $504,000
Asian 88 $18,760,000 $213,000 $1,505,000 $205,000 $4,324,000
Not applicable 30 $34,750,000 $1,158,000 $26,505,000 $0 $0
American Indian or Alaskan Native 12 $1,100,000 $91,000 $165,000 $72,000 $154,000
Native Hawaiian or Other Pacific Islander 2 $370,000 $185,000 $275,000 $149,000 $196,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 5,777 $767,305,000 $132,000 $26,505,000 $109,000 $4,324,000
FHA-insured (Federal Housing Administration) 79 $15,455,000 $195,000 $465,000 $91,000 $432,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 38 $6,190,000 $162,000 $285,000 $67,000 $121,000
VA-guaranteed (Veterans Administration) 24 $6,940,000 $289,000 $605,000 $119,000 $305,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 4,158 $560,380,000 $134,000 $2,405,000 $114,000 $1,600,000
Application Denied By Financial Institution 1,087 $144,675,000 $133,000 $26,505,000 $89,000 $4,324,000
Application Withdrawn By Applicant 539 $74,235,000 $137,000 $1,255,000 $108,000 $1,000,000
File Closed For Incompleteness 88 $11,320,000 $128,000 $805,000 $112,000 $507,000
Application Approved But Not Accepted 43 $4,905,000 $114,000 $405,000 $85,000 $402,000
Loan Purchased By The Institution 3 $375,000 $125,000 $145,000 $73,000 $128,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 4,831 $651,215,000 $134,000 $2,405,000 $113,000 $1,600,000
Credit History 432 $62,450,000 $144,000 $26,505,000 $86,000 $4,324,000
Debt-To-Income Ratio 372 $50,790,000 $136,000 $1,195,000 $66,000 $1,091,000
Collateral 191 $21,325,000 $111,000 $715,000 $142,000 $2,041,000
Credit Application Incomplete 33 $3,705,000 $112,000 $635,000 $109,000 $435,000
Unverifiable Information 33 $3,455,000 $104,000 $355,000 $60,000 $186,000
Other 14 $1,450,000 $103,000 $285,000 $74,000 $179,000
Employment History 7 $895,000 $127,000 $575,000 $27,000 $53,000
Insufficient Cash (Downpayment, Closing Cost) 5 $605,000 $121,000 $265,000 $67,000 $170,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Northwest Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Northwest Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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