We analyzed every closed loan from Northwest Bank — 814 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 · USDA
Place
Sound
3/5
Multi-Region · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
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 loans
Explore another lender or local market
Report Card
Northwest Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+24.4 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
756 loans · 0.26% above market
Strong
Top 40% of lenders
4/5
FHA
21 loans · 0.13% above market
Acceptable
Bottom 40% of lenders
2/5
VA
23 loans · 0.28% below market
Strong
Top 40% of lenders
4/5
USDA
13 loans · 0.01% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
717 loans · 0.18% above market
Strong
Top 40% of lenders
4/5
Refinance
97 loans · 0.69% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 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 | 756 | 92.9% | +0.264%Above | $1,096Fees | ||||
FHA Loans | 21 | 2.6% | +0.125%Above | $1,162Fees | ||||
VA Loans | — | 23 | 2.8% | -0.279%Below | $1,303Fees | |||
USDA Loans | — | — | 13 | 1.6% | +0.011%Above | $925Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume756
Mix92.9%
Spread
+0.264%Above
Fees
$1,096Fees
FHA Loans
OverallSound
ProductAcceptable
PricingExceptional
Pull ThroughAcceptable
Volume21
Mix2.6%
Spread
+0.125%Above
Fees
$1,162Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume23
Mix2.8%
Spread
-0.279%Below
Fees
$1,303Fees
USDA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume13
Mix1.6%
Spread
+0.011%Above
Fees
$925Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 717 | 88.1% | +0.181%Above | $1,117Fees | ||||
Refinance | 97 | 11.9% | +0.689%Above | $978Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume717
Mix88.1%
Spread
+0.181%Above
Fees
$1,117Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume97
Mix11.9%
Spread
+0.689%Above
Fees
$978Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
814
Applications
1,122
Volume
$159 million
Pricing & Closing
Avg Rate Spread
+0.244%
vs. market APOR
Avg Net Fees
$1,099
Origination − Credits
Pullthrough Rate
72.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$196,044
Avg Borrower Income
$98,200
Avg Property Value
$258,747
Geographic Coverage
Geographic Performance
Metro Areas
8
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
6Full-year 2024 · HMDALoans originated
< 5050–100100–200200+None
Northeast2
NYPA
Midwest3
ILINOH
South1
FL
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.