We analyzed every closed loan from Northwest Bank — 1.0k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and VA and Jumbo loans
Explore another lender or local market
Report Card
Northwest Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+6.0 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
957 loans · 0.04% above market
Strong
Top 40% of lenders
4/5
FHA
38 loans · 0.85% above market
Sound
Top 60% of lenders
3/5
VA
21 loans · 0.17% below market
Strong
Top 40% of lenders
4/5
Jumbo
24 loans · 0.48% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
930 loans · 0.05% above market
Strong
Top 40% of lenders
4/5
Refinance
115 loans · 0.13% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 957 | 91.6% | +0.040%Above | $1,022Fees | ||||
FHA Loans | 38 | 3.6% | +0.854%Above | $956Fees | ||||
VA Loans | — | 21 | 2.0% | -0.175%Below | $1,546Fees | |||
Jumbo Loans | — | 24 | 2.3% | +0.485%Above | $5,408Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume957
Mix91.6%
Spread
+0.040%Above
Fees
$1,022Fees
FHA Loans
OverallStrong
ProductSound
PricingSound
Pull ThroughStrong
Volume38
Mix3.6%
Spread
+0.854%Above
Fees
$956Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume21
Mix2.0%
Spread
-0.175%Below
Fees
$1,546Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughExceptional
Volume24
Mix2.3%
Spread
+0.485%Above
Fees
$5,408Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 930 | 89.0% | +0.051%Above | $1,092Fees | ||||
Refinance | 115 | 11.0% | +0.127%Above | $874Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume930
Mix89.0%
Spread
+0.051%Above
Fees
$1,092Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume115
Mix11.0%
Spread
+0.127%Above
Fees
$874Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,045
Applications
1,277
Volume
$293 million
Pricing & Closing
Avg Rate Spread
+0.060%
vs. market APOR
Avg Net Fees
$1,064
Origination − Credits
Pullthrough Rate
81.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$280,818
Avg Borrower Income
$148,622
Avg Property Value
$377,679
Geographic Coverage
Geographic Performance
Metro Areas
4
markets with activity
States Served
17
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
17Full-year 2024 · HMDALoans originated
< 1010–100100+None
Midwest7
IAILKSMNMONESD
South5
FLMSNCTNTX
West5
AZCACOIDNM
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.