Lender in New York · HMDA 2025
Northwest Bank mortgages in New York
Northwest Bank's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Northwest Bank originated 300 owner-occupied single-family loans in New York from 332 completed applications.
Its median conventional purchase loan costs were $4,840 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.625% (New York: 6.50%).
Loans in NY
300
of 332 applications
Denial rate
8.9%
Purchase · NY 9.5%
Rate spread
+0.11 pts
Conv. · NY +0.07 pts
Loan amount
$245,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 282 | 257 | 8.9% | 6.625% | +0.11 pts | $4,840 | $245,000 |
| Refinance | 13 | 10 | — | — | — | — | — |
| Cash-out refinance | 37 | 33 | 10.8% | — | +0.25 pts | $200 | $155,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Northwest Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Chautauqua County | 6 | 50 | 5.8% |
| Erie County | 9 | 171 | 1.8% |
| Niagara County | 10 | 50 | 2.4% |
| Cattaraugus County | 12 | 11 | 2.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology