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Act (HMDA) records Northwest Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 1,916 | $ 193,400,000 | $ 100,939 | $ 86,471 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1,088 | $ 186,090,000 | $ 171,038 | $ 133,000 |
| Pittsburgh, PA | 537 | $ 69,555,000 | $ 129,525 | $ 122,000 |
| Erie, PA | 524 | $ 55,480,000 | $ 105,877 | $ 96,000 |
| Cleveland, OH | 267 | $ 31,195,000 | $ 116,835 | $ 96,000 |
| Lancaster, PA | 235 | $ 32,565,000 | $ 138,574 | $ 124,000 |
| Muncie, IN | 169 | $ 18,145,000 | $ 107,366 | $ 98,000 |
| State College, PA | 146 | $ 19,720,000 | $ 135,068 | $ 125,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 142 | $ 20,370,000 | $ 143,450 | $ 81,000 |
| Williamsport, PA | 138 | $ 18,170,000 | $ 131,666 | $ 94,000 |
| South Bend-Mishawaka, IN-MI | 115 | $ 14,235,000 | $ 123,782 | $ 146,304 |
| Lebanon, PA | 106 | $ 14,980,000 | $ 141,320 | $ 121,000 |
| Harrisburg-Carlisle, PA | 69 | $ 12,105,000 | $ 175,434 | $ 145,000 |
| Rochester, NY | 68 | $ 10,920,000 | $ 160,588 | $ 141,000 |
| Johnstown, PA | 54 | $ 5,120,000 | $ 94,814 | $ 85,000 |
| Altoona, PA | 53 | $ 6,845,000 | $ 129,150 | $ 73,000 |
| Elkhart-Goshen, IN | 39 | $ 4,645,000 | $ 119,102 | $ 95,000 |
| Indianapolis-Carmel-Anderson, IN | 36 | $ 6,990,000 | $ 194,166 | $ 138,000 |
| York-Hanover, PA | 36 | $ 4,530,000 | $ 125,833 | $ 109,000 |
| Akron, OH | 22 | $ 4,560,000 | $ 207,272 | $ 197,000 |
| Columbus, OH | 22 | $ 5,490,000 | $ 249,545 | $ 205,000 |
| Sandusky, OH | 16 | $ 1,750,000 | $ 109,375 | $ 110,000 |
| Bloomington, IN | 15 | $ 2,245,000 | $ 149,666 | $ 79,000 |
| Reading, PA | 14 | $ 28,780,000 | $ 2,055,714 | $ 136,000 |
| Montgomery County-Bucks County-Chester County, PA | 12 | $ 2,460,000 | $ 205,000 | $ 172,000 |
| Terre Haute, IN | 11 | $ 1,215,000 | $ 110,454 | $ 57,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 8 | $ 1,600,000 | $ 200,000 | $ 190,000 |
| Fort Wayne, IN | 5 | $ 895,000 | $ 179,000 | $ 128,000 |
| Philadelphia, PA | 5 | $ 1,605,000 | $ 321,000 | $ 289,000 |
| Cincinnati, OH-KY-IN | 4 | $ 1,190,000 | $ 297,500 | $ 176,000 |
| Kokomo, IN | 4 | $ 390,000 | $ 97,500 | $ 73,000 |
| Syracuse, NY | 4 | $ 820,000 | $ 205,000 | $ 121,000 |
| Baltimore-Columbia-Towson, MD | 3 | $ 405,000 | $ 135,000 | $ 213,000 |
| Nassau County-Suffolk County, NY | 3 | $ 2,065,000 | $ 688,333 | $ 294,000 |
| New York-Jersey City-White Plains, NY-NJ | 3 | $ 2,215,000 | $ 738,333 | $ 495,000 |
| Niles-Benton Harbor, MI | 3 | $ 1,045,000 | $ 348,333 | $ 705,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 1,305,000 | $ 435,000 | $ 201,000 |
| Tampa, FL | 3 | $ 3,445,000 | $ 1,148,333 | $ 691,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 1,170,000 | $ 585,000 | $ 323,000 |
| Canton-Massillon, OH | 2 | $ 330,000 | $ 165,000 | $ 67,000 |
| Columbus, IN | 2 | $ 390,000 | $ 195,000 | $ 92,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 845,000 | $ 845,000 | $ 276,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 615,000 | $ 615,000 | $ 175,000 |
| Elmira, NY | 1 | $ 215,000 | $ 215,000 | $ 67,000 |
| Jacksonville, FL | 1 | $ 595,000 | $ 595,000 | $ 305,000 |
| Lansing-East Lansing, MI | 1 | $ 85,000 | $ 85,000 | $ 120,000 |
| Mansfield, OH | 1 | $ 215,000 | $ 215,000 | $ 79,000 |
| Michigan City-La Porte, IN | 1 | $ 85,000 | $ 85,000 | $ 106,000 |
| Owensboro, KY | 1 | $ 305,000 | $ 305,000 | $ 203,000 |
| Parkersburg-Vienna, WV | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Rockingham County-Strafford County, NH | 1 | $ 1,415,000 | $ 1,415,000 | $ 0 |
| Savannah, GA | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Utica-Rome, NY | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 1 | $ 65,000 | $ 65,000 | $ 34,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 55,000 | $ 55,000 | $ 109,000 |
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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
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