Purchase Originations
806
Ranked #450 nationally
Median Total Costs
$4,478
−33.0% vs national ($6,680)
↑ $145 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,295
Median Lender Credits
$250
Cost Rank (500+ vol.)
#146
among lenders with 500+ originations
Denial Rate
10.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 729 | 6.500% | $4,344 | $1,295 |
| fha | 47 | 6.125% | $7,314 | $754 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 432 | 6.500% | $4,491 | #52 |
| New York | 256 | 6.500% | $4,946 | #73 |
| Indiana | 82 | 6.500% | $2,554 | #142 |
| Ohio | 27 | 6.750% | $4,137 | — |
| Florida | 4 | 6.250% | $6,852 | — |
| Tennessee | 2 | 7.000% | $2,394 | — |
| West Virginia | 2 | 6.750% | $2,308 | — |
| Kentucky | 1 | 6.375% | $4,634 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,720 | 6.250% | — | 21 | −$1,758 | |
| 2 | $3,126 | 6.625% | — | 19 | −$1,352 | |
| 3 | $3,197 | 6.500% | — | 42 | −$1,281 | |
| 4 | $3,504 | 6.500% | — | 13 | −$974 | |
| 5 | $3,643 | 6.625% | — | 16 | −$835 | |
| 6 | $3,665 | 6.500% | — | 44 | −$813 | |
| 7 | $3,787 | 6.625% | — | 15 | −$691 | |
| 8 | $4,303 | 6.562% | — | 12 | −$175 | |
| 9 | $4,316 | 6.625% | — | 51 | −$162 | |
| 10 | $4,316 | 6.500% | — | 23 | −$162 | |
| 11 | $4,345 | 6.500% | — | 23 | −$133 | |
| 12 | $4,364 | 6.750% | — | 26 | −$114 | |
| 13 | $4,830 | 6.375% | — | 41 | +$352 | |
| 14 | $4,916 | 6.500% | — | 15 | +$438 | |
| 15 | $4,960 | 6.562% | — | 16 | +$482 | |
| 16 | $5,148 | 6.500% | — | 147 | +$670 | |
| 17 | $5,217 | 6.375% | — | 15 | +$739 | |
| 18 | $5,517 | 6.438% | — | 20 | +$1,039 | |
| 19 | $5,625 | 6.500% | — | 18 | +$1,147 | |
| 20 | $5,866 | 6.312% | — | 14 | +$1,388 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Northwest Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $4,478 | $7,127 | −$2,649 (−37.2%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.