Northwest Bank Mortgage Rates, Fees & Info

Warren, PA

LEI: LVR1UQE8OOCO93IHEB52

Tax ID: 23-2790930

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Northwest Bank is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Northwest Bank has a high proportion of conventional loans. Their top markets by origination volume include: Buffalo, Erie, Pittsburgh, State College, and Cleveland among others. We have data for 58 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Northwest Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Northwest Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 3.07% 12/16/24
    30 Year Conventional Purchase 6.42% 12/16/24
    30 Year Conventional Refi 6.76% 12/16/24
    30 Year Cash-out Refi 6.83% 12/16/24
    30 Year FHA Purchase 7.29% 12/16/24
    30 Year VA Purchase 6.52% 12/16/24
    30 Year USDA Purchase 6.43% 12/16/24
    15 Year Conventional Purchase 6.07% 12/16/24
    15 Year Conventional Refi 6.06% 12/16/24
    15 Year Cash-out Refi 6.06% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Northwest Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Northwest Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    5,893

    Origination Dollar Volume (All Markets)

    $705,205,000

    Employee count

    2,128 Show all (10) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 966 $131,710,000 $136,346 $1,911 5.18%
    ERIE, PA (FHA|USDA|VA) 939 $110,015,000 $117,162 $2,096 4.97%
    PITTSBURGH, PA (FHA|USDA|VA) 762 $97,660,000 $128,163 $2,794 4.96%
    STATE COLLEGE, PA (FHA|USDA|VA) 249 $45,535,000 $182,871 $3,402 4.66%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 321 $38,305,000 $119,330 $2,256 5.12%
    LANCASTER, PA (FHA|USDA|VA) 227 $33,405,000 $147,159 $4,789 4.88%
    Outside of Metro Areas 284 $22,750,000 $80,106 $1,452 5.14%
    Warren, PA (FHA|USDA|VA) 242 $19,920,000 $82,314 $1,576 5.17%
    Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 165 $18,355,000 $111,242 $2,678 5.13%
    Meadville, PA (FHA|USDA|VA) 202 $16,530,000 $81,832 $1,741 5.05%
    LEBANON, PA (FHA|USDA|VA) 142 $14,690,000 $103,451 $1,699 5.04%
    ROCHESTER, NY (FHA|USDA|VA) 122 $13,990,000 $114,672 $2,942 5.46%
    Oil City, PA (FHA|USDA|VA) 196 $13,160,000 $67,143 $1,468 5.21%
    TOLEDO, OH (FHA|USDA|VA) 2 $12,830,000 $6,415,000 $0 4.66%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 56 $12,550,000 $224,107 $5,417 4.30%
    St. Marys, PA (FHA|USDA|VA) 175 $12,295,000 $70,257 $1,519 5.03%
    YORK-HANOVER, PA (FHA|USDA|VA) 65 $11,465,000 $176,385 $2,450 4.71%
    Bradford, PA (FHA|USDA|VA) 159 $11,415,000 $71,792 $1,453 5.34%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 57 $6,685,000 $117,281 $2,583 4.87%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 29 $6,675,000 $230,172 $6,447 4.62%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 24 $5,910,000 $246,250 $7,662 4.52%
    DuBois, PA (FHA|USDA|VA) 69 $5,675,000 $82,246 $1,490 4.99%
    Lock Haven, PA (FHA|USDA|VA) 47 $5,065,000 $107,766 $1,787 5.18%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 39 $4,315,000 $110,641 $2,916 4.85%
    AKRON, OH (FHA|USDA|VA) 25 $3,575,000 $143,000 $1,569 5.38%
    Olean, NY (FHA|USDA|VA) 42 $3,310,000 $78,810 $1,979 5.38%
    JOHNSTOWN, PA (FHA|USDA|VA) 49 $3,075,000 $62,755 $1,346 5.27%
    New Castle, PA (FHA|USDA|VA) 32 $2,700,000 $84,375 $1,738 5.01%
    READING, PA (FHA|USDA|VA) 21 $2,485,000 $118,333 $3,040 5.17%
    Ashtabula, OH (FHA|USDA|VA) 14 $2,200,000 $157,143 $754 4.87%
    WILLIAMSPORT, PA (FHA|USDA|VA) 25 $2,175,000 $87,000 $1,187 5.44%
    Huntingdon, PA (FHA|USDA|VA) 26 $1,880,000 $72,308 $1,575 5.11%
    Lewistown, PA (FHA|USDA|VA) 30 $1,710,000 $57,000 $759 5.23%
    Sandusky, OH (FHA|USDA|VA) 21 $1,605,000 $76,429 $479 4.86%
    Pottsville, PA (FHA|USDA|VA) 12 $1,290,000 $107,500 $1,935 4.84%
    ALTOONA, PA (FHA|USDA|VA) 8 $850,000 $106,250 $3,246 4.70%
    GETTYSBURG, PA (FHA|USDA|VA) 5 $845,000 $169,000 $4,041 4.53%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $710,000 $355,000 $10,701 4.63%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 4 $650,000 $162,500 $2,945 5.69%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $580,000 $290,000 $5,382 4.38%
    Somerset, PA (FHA|USDA|VA) 6 $550,000 $91,667 $1,994 4.81%
    Lewisburg, PA (FHA|USDA|VA) 2 $470,000 $235,000 $3,455 4.00%
    SPARTANBURG, SC (FHA|USDA|VA) 2 $450,000 $225,000 $5,728 3.88%
    Corning, NY (FHA|USDA|VA) 3 $375,000 $125,000 $3,963 5.25%
    Sayre, PA (FHA|USDA|VA) 3 $355,000 $118,333 $367 5.75%
    Batavia, NY (FHA|USDA|VA) 4 $330,000 $82,500 $3,424 5.16%
    Sunbury, PA (FHA|USDA|VA) 2 $290,000 $145,000 $2,883 4.06%
    WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $275,000 $275,000 $0 6.50%
    Indiana, PA (FHA|USDA|VA) 2 $270,000 $135,000 $2,984 4.78%
    Auburn, NY (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.50%
    Seneca, SC (FHA|USDA|VA) 1 $225,000 $225,000 $4,815 4.38%
    Salem, OH (FHA|USDA|VA) 2 $210,000 $105,000 $3,841 5.25%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $165,000 $165,000 $5,165 4.75%
    Seneca Falls, NY (FHA|USDA|VA) 1 $155,000 $155,000 $2,794 4.25%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 2 $110,000 $55,000 $300 4.69%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $95,000 $95,000 $4,547 4.38%
    Wooster, OH (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.50%
    Norwalk, OH (FHA|USDA|VA) 1 $25,000 $25,000 $400 6.63%
    Northwest Bank's top markets include Buffalo, Erie, Pittsburgh, State College, and Cleveland among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Northwest Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Westmoreland Federal Savings
    Similarity Rank: 12
    GREATER WOODLAWN FEDERAL CREDIT UNION
    Similarity Rank: 15
    TRI BORO
    Similarity Rank: 25
    Home Federal Savings and Loan Association of Niles
    Similarity Rank: 32
    Widget Federal Credit Union
    Similarity Rank: 32
    POINT BREEZE
    Similarity Rank: 36
    Pittsford Federal Credit Union
    Similarity Rank: 44
    Commercial Bank and Trust of PA
    Similarity Rank: 57
    Iron Workers Savings Bank
    Similarity Rank: 63
    HANCOCK COUNTY SAVINGS BANK, FSB, INC.
    Similarity Rank: 88

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,292 $578,960,000 $134,893 $2,335 5.00%
    HELOC 1,601 $126,245,000 $78,854 n/a 5.17%

    For 2018, Northwest Bank's most frequently originated type of loan was Conventional, with 4,292 originations. Their 2nd most popular type was HELOC, with 1,601 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,092 $366,760,000 $175,315 $4,008 4.78%
    Cash Out Refi 1,448 $160,390,000 $110,767 $1,453 4.96%
    Other 1,076 $72,330,000 $67,221 $519 5.38%
    Home Improvement 911 $47,865,000 $52,541 $316 5.38%
    Refi 366 $57,860,000 $158,087 $835 5.06%

    For 2018, Northwest Bank's most frequently cited loan purpose was Home Purchase, with 2,092 originations. The 2nd most popular reason was Cash Out Refi, with 1,448 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 1,670 $136,570,000 $81,778 $481 5.16%
    30 Year 1,633 $276,275,000 $169,182 $4,445 4.71%
    20 Year 867 $92,065,000 $106,188 $1,041 5.43%
    15 Year 826 $87,640,000 $106,102 $1,659 5.07%
    10 Year 645 $80,365,000 $124,597 $277 5.13%
    5 Year 249 $32,195,000 $129,297 $187 4.82%
    3 Year 3 $95,000 $31,667 $140 4.29%

    For 2018, Northwest Bank's most frequently cited loan duration was Other, with 1,670 originations. The 2nd most popular length was 30 Year, with 1,633 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,897 $259,945,000 $89,729
    $1k-2k 466 $69,070,000 $148,219
    $2k-3k 283 $42,965,000 $151,820
    $3k-4k 187 $35,805,000 $191,471
    $5k+ 163 $53,055,000 $325,491
    $4k-5k 106 $26,320,000 $248,302

    Northwest Bank's average total fees were $4,445, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,897 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 3,403 $467,455,000 $137,366
    5-6% 1,235 $113,595,000 $91,980
    6-7% 502 $29,090,000 $57,948
    3-4% 455 $80,125,000 $176,099
    7-8% 206 $10,240,000 $49,709
    Over 8% 71 $2,495,000 $35,141
    2.5-3% 2 $530,000 $265,000
    % 1 $45,000 $45,000

    During 2018, Northwest Bank's average interest rate for loans was 4.71%, while their most frequently originated rate bucket for loans was 4-5%, with 3,403 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 3,451 $178,005,000 $51,581 $1,043 5.33%
    $100k-200k 1,588 $217,710,000 $137,097 $2,893 4.66%
    $200k-400k 742 $198,470,000 $267,480 $5,346 4.58%
    $400k-600k 82 $38,520,000 $469,756 $7,824 4.68%
    $600k-1MM 19 $13,555,000 $713,421 $11,185 5.22%
    $1MM+ 11 $58,945,000 $5,358,636 $10,123 4.99%

    2018 saw Northwest Bank place emphasis on $100,000 or less loans with 3,451 originations, totaling $178,005,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,404 $126,500,000 $90,100 $2,060 5.07%
    $50k or less 1,360 $88,360,000 $64,971 $1,734 5.15%
    $100k-150k 1,137 $150,615,000 $132,467 $2,752 4.91%
    $75k-100k 929 $98,735,000 $106,281 $2,269 5.02%
    $150k-250k 547 $91,565,000 $167,395 $3,466 4.82%
    $250k+ 198 $48,610,000 $245,505 $4,093 4.82%

    Northwest Bank lent most frequently to those with incomes in the $50k-75k range, with 1,404 originations. The second most popular income band? $50k or less, with 1,360 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,395 $146,085,000 $104,720 $2,267 4.90%
    30-36% 1,142 $120,070,000 $105,140 $2,255 5.00%
    <20% 546 $56,320,000 $103,150 $2,247 4.88%
    42% 374 $36,090,000 $96,497 $1,807 5.34%
    40% 283 $28,935,000 $102,244 $1,813 5.15%
    41% 282 $26,980,000 $95,674 $1,955 5.21%
    38% 239 $26,225,000 $109,728 $2,280 5.13%
    39% 225 $23,785,000 $105,711 $2,676 5.14%
    37% 217 $21,305,000 $98,180 $1,978 5.11%
    44% 216 $24,180,000 $111,944 $2,953 5.12%
    36% 211 $21,295,000 $100,924 $2,256 5.18%
    43% 139 $15,235,000 $109,604 $3,042 5.17%
    45% 97 $15,945,000 $164,381 $3,717 4.86%
    46% 85 $12,725,000 $149,706 $3,525 4.81%
    47% 82 $11,830,000 $144,268 $3,514 4.85%
    49% 68 $10,090,000 $148,382 $3,589 4.68%
    48% 50 $7,850,000 $157,000 $3,658 4.94%
    50-60% 48 $8,340,000 $173,750 $3,068 4.72%

    Northwest Bank lent most frequently to those with DTI ratios of 20-30%, with 1,395 originations. The next most common DTI ratio? 30-36%, with 1,142 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,858 $542,240,000 $111,618 $2,365 5.02%
    Not provided 719 $72,365,000 $100,647 $1,830 5.06%
    Not applicable 152 $68,490,000 $450,592 $0 5.78%
    Asian 80 $13,020,000 $162,750 $3,554 4.76%
    Black 59 $5,675,000 $96,186 $2,200 5.66%
    American Indian 14 $1,130,000 $80,714 $1,827 5.46%
    Native Hawaiian or Islander 4 $910,000 $227,500 $7,038 4.91%
    Asian Indian 2 $550,000 $275,000 $5,016 5.88%
    Vietnamese 1 $345,000 $345,000 $9,089 4.63%
    Other Asian 2 $300,000 $150,000 $2,514 5.38%
    Native Hawaiian 1 $145,000 $145,000 $400 6.13%
    Filipino 1 $35,000 $35,000 $195 7.00%

    Approval Rates

    Total approvals of all applications
    85.54%

    Northwest Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    82.25%

    Northwest Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,893 $705,205,000 $119,668

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 73 $75,265,000 $1,031,027
    Single Family (1-4 Units):Manufactured 122 $8,910,000 $73,033
    Single Family (1-4 Units):Site-Built 5,698 $621,030,000 $108,991

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,286 $81,940,000 $63,717 $447 5.22%
    40-60% 852 $92,140,000 $108,146 $1,300 4.91%
    60-80% 1,511 $274,045,000 $181,367 $3,230 4.88%
    80-100% 1,383 $225,845,000 $163,301 $3,742 4.78%
    Over 100% 2 $210,000 $105,000 $1,320 0.00%
    Under 20% 858 $30,980,000 $36,107 $253 5.62%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Northwest Bank 1 West Main Avenue Myerstown, PA 17067 Full Service B&M $50,372
    Northwest Bank 1 West Third Street Jamestown, NY 14701 Full Service B&M $41,598
    Northwest Bank 100 East Main Street Westfield, PA 16950 Full Service B&M $33,800
    Northwest Bank 100 Fairgrounds Road Huntingdon, PA 16652 Full Service B&M $23,461
    Northwest Bank 100 West Spruce Street Marienville, PA 16239 Full Service B&M $20,538
    Northwest Bank 1000 Marketplace Drive Edinboro, PA 16412 Full Service B&M $43,300
    Northwest Bank 101 East Lincoln Avenue Mc Donald, PA 15057 Full Service B&M $30,932
    Northwest Bank 101 Monroe Road Sarver, PA 16055 Full Service B&M $37,168
    Northwest Bank 101 South Main Street Sheffield, PA 16347 Full Service B&M $21,228
    Northwest Bank 101 West Spring Street Titusville, PA 16354 Full Service B&M $90,495
    Northwest Bank 1035 Payne Avenue North Tonawanda, NY 14120 Full Service B&M $136,035
    Northwest Bank 104 East Main Street Lock Haven, PA 17745 Full Service B&M $30,137
    Northwest Bank 104 Winfield Drive Grove City, PA 16127 Full Service B&M $37,478
    Northwest Bank 1040 Lake Avenue Ashtabula, OH 44004 Full Service B&M $12,329
    Northwest Bank 10444 U.S. Highway 522 South Lewistown, PA 17044 Full Service B&M $31,530
    Northwest Bank 1048 East Main Street Palmyra, PA 17078 Full Service B&M $52,073
    Northwest Bank 105 Chestnut Commons Drive Elyria, OH 44035 Full Service B&M $48,925
    Northwest Bank 105 Petroleum Street Oil City, PA 16301 Full Service B&M $93,676
    Northwest Bank 105 South Main Street Springboro, PA 16435 Full Service B&M $16,487
    Northwest Bank 105 West Academy Street Shinglehouse, PA 16748 Full Service B&M $27,889
    Northwest Bank 10533 Perry Highway Wexford, PA 15090 Full Service B&M $40,202
    Northwest Bank 1055 Union Road West Seneca, NY 14224 Full Service B&M $34,465
    Northwest Bank 1091 Eichelberger Street Hanover, PA 17331 Full Service B&M $19,148
    Northwest Bank 1127 Zion Road Bellefonte, PA 16823 Full Service B&M $42,084
    Northwest Bank 1175 Cleveland Avenue Amherst, OH 44001 Full Service B&M $88,884
    Northwest Bank 118 South Main Street Zelienople, PA 16063 Full Service B&M $17,526
    Northwest Bank 1195 Manheim Pike Lancaster, PA 17601 Full Service B&M $27,964
    Northwest Bank 1200 South Second Street Clearfield, PA 16830 Full Service B&M $54,945
    Northwest Bank 121 West 26th Street Erie, PA 16508 Full Service B&M $82,853
    Northwest Bank 124 Middle Ave Elyria, OH 44035 Full Service B&M $53,737
    Northwest Bank 1248 Abbott Road Lackawanna, NY 14218 Full Service B&M $62,978
    Northwest Bank 125 Ludlow Street Warren, PA 16365 Limited, Drive-thru $0
    Northwest Bank 125 Main Street Ridgway, PA 15853 Limited, Drive-thru $0
    Northwest Bank 1301 Liberty Street Franklin, PA 16323 Full Service B&M $94,252
    Northwest Bank 1328 East Grandview Blvd Erie, PA 16504 Full Service B&M $68,802
    Northwest Bank 14 Lafayette Square Buffalo, NY 14203 Full Service B&M $97,690
    Northwest Bank 1408 East Grandview Boulevard Erie, PA 16509 Limited, Drive-thru $0
    Northwest Bank 1421 Pittsburgh Road Valencia, PA 16059 Full Service B&M $84,499
    Northwest Bank 1441 Monroe Avenue Rochester, NY 14618 Full Service B&M $33,887
    Northwest Bank 14457 Main Street Wattsburg, PA 16442 Full Service B&M $23,443
    Northwest Bank 1475 Main Street Coalport, PA 16627 Full Service B&M $34,940
    Northwest Bank 148 West Pike Street Canonsburg, PA 15317 Full Service B&M $16,478
    Northwest Bank 151 Pittsburgh Road Butler, PA 16001 Full Service B&M $32,793
    Northwest Bank 1531 Niagara Falls Blvd. Amherst, NY 14228 Full Service B&M $56,714
    Northwest Bank 16 Main Street Wellsboro, PA 16901 Limited, Drive-thru $0
    Northwest Bank 1688 Route 228 Cranberry Township, PA 16066 Full Service B&M $25,919
    Northwest Bank 1690 Sheridan Drive Kenmore, NY 14223 Full Service B&M $166,505
    Northwest Bank 170 Main Street Ridgway, PA 15853 Full Service B&M $74,371
    Northwest Bank 1700 Roosevelt Avenue York, PA 17408 Full Service B&M $17,279
    Northwest Bank 176 Lovell Avenue Ebensburg, PA 15931 Full Service B&M $24,346
    Northwest Bank 1767 North Atherton Street State College, PA 16803 Full Service B&M $23,922
    Northwest Bank 178 West Streetsboro Street Hudson, OH 44236 Full Service B&M $102,384
    Northwest Bank 1811 Mckees Rocks Road Mckees Rocks, PA 15136 Full Service B&M $27,579
    Northwest Bank 1903 Hubbard Road Madison, OH 44057 Full Service B&M $19,613
    Northwest Bank 1918 Minno Drive Johnstown, PA 15905 Full Service B&M $39,929
    Northwest Bank 1945 Douglas Parkway Erie, PA 16509 Full Service B&M $76,000
    Northwest Bank 2 East 4th Street Emporium, PA 15834 Full Service B&M $47,907
    Northwest Bank 200 South Center Street Grove City, PA 16127 Full Service B&M $34,085
    Northwest Bank 201 North Craig Street Pittsburgh, PA 15213 Full Service B&M $32,878
    Northwest Bank 201 West Main Street New Holland, PA 17557 Full Service B&M $20,137
    Northwest Bank 202 East Main Street Youngsville, PA 16371 Full Service B&M $29,721
    Northwest Bank 204 West Beaver Avenue State College, PA 16801 Full Service B&M $55,208
    Northwest Bank 2070 George Urban Boulevard Depew, NY 14043 Full Service B&M $111,306
    Northwest Bank 210 West Main Street Falconer, NY 14733 Full Service B&M $29,030
    Northwest Bank 2100 Center Rd Avon, OH 44011 Full Service B&M $41,284
    Northwest Bank 2102 Rice Ave Lake City, PA 16423 Full Service B&M $33,615
    Northwest Bank 2113 Chili Avenue Rochester, NY 14624 Full Service B&M $10,677
    Northwest Bank 22 Franklin Village Mall Kittanning, PA 16201 Full Service B&M $56,175
    Northwest Bank 2200 South Atherton Street State College, PA 16801 Full Service B&M $38,862
    Northwest Bank 221 Elm Street Tionesta, PA 16353 Full Service B&M $25,564
    Northwest Bank 225 Franklin Street Johnstown, PA 15901 Full Service B&M $32,845
    Northwest Bank 2296 South Market Street Elizabethtown, PA 17022 Full Service B&M $29,549
    Northwest Bank 2300 Grand Island Boulevard Grand Island, NY 14072 Full Service B&M $172,349
    Northwest Bank 24 East Main Street Mount Joy, PA 17552 Full Service B&M $28,517
    Northwest Bank 242 East Main Street Carnegie, PA 15106 Full Service B&M $26,914
    Northwest Bank 2502 East Third Street Williamsport, PA 17701 Full Service B&M $18,721
    Northwest Bank 2513 West State Street Olean, NY 14760 Full Service B&M $19,113
    Northwest Bank 260 Murtland Avenue Washington, PA 15301 Full Service B&M $35,596
    Northwest Bank 27095 Bagley Road Olmsted Falls, OH 44138 Full Service B&M $19,652
    Northwest Bank 275 Meadow Drive North Tonawanda, NY 14120 Limited, Drive-thru $0
    Northwest Bank 2850 Pearl Avenue Lorain, OH 44055 Full Service B&M $15,774
    Northwest Bank 2863 West 26th St Erie, PA 16506 Full Service B&M $93,227
    Northwest Bank 29 South Erie Street Mayville, NY 14757 Full Service B&M $27,487
    Northwest Bank 295 Main Street Buffalo, NY 14203 Full Service B&M $35,158
    Northwest Bank 2981 Delaware Avenue Kenmore, NY 14217 Full Service B&M $25,186
    Northwest Bank 30 East Main Street Geneva, OH 44041 Full Service B&M $15,883
    Northwest Bank 30 West Street Galeton, PA 16922 Full Service B&M $35,710
    Northwest Bank 301 Broad Street New Bethlehem, PA 16242 Full Service B&M $22,868
    Northwest Bank 302 North East Street Coudersport, PA 16915 Full Service B&M $59,124
    Northwest Bank 3105 Niagara Falls Boulevard Amherst, NY 14228 Full Service B&M $100,532
    Northwest Bank 311 East Fairmount Avenue Lakewood, NY 14750 Full Service B&M $92,304
    Northwest Bank 3140 Cape Horn Road Red Lion, PA 17356 Full Service B&M $30,996
    Northwest Bank 3150 Sheridan Drive Amherst, NY 14226 Full Service B&M $33,049
    Northwest Bank 319 West Central Avenue Titusville, PA 16354 Limited, Drive-thru $0
    Northwest Bank 32960 Walker Road Avon Lake, OH 44012 Full Service B&M $60,760
    Northwest Bank 33 Main Street Bradford, PA 16701 Full Service B&M $128,985
    Northwest Bank 3380 Washington Road Canonsburg, PA 15317 Full Service B&M $15,517
    Northwest Bank 3407 Liberty Street Erie, PA 16508 Full Service B&M $68,913
    Northwest Bank 34085 Center Ridge Road North Ridgeville, OH 44039 Full Service B&M $16,241
    Northwest Bank 342 Main Street Wampum, PA 16157 Full Service B&M $23,874
    Northwest Bank 3488 Amelia Drive Orchard Park, NY 14127 Full Service B&M $33,038
    Northwest Bank 35 East Main Street North East, PA 16428 Full Service B&M $42,352
    Northwest Bank 350 Locust Street Columbia, PA 17512 Full Service B&M $17,782
    Northwest Bank 3517 Union Road Cheektowaga, NY 14225 Full Service B&M $34,515
    Northwest Bank 355 Biddle Street Kane, PA 16735 Limited, Drive-thru $0
    Northwest Bank 364 Connecticut Street Buffalo, NY 14213 Full Service B&M $16,761
    Northwest Bank 3649 East Market Street York, PA 17402 Full Service B&M $34,186
    Northwest Bank 3660 Oberlin Avenue Lorain, OH 44053 Full Service B&M $58,039
    Northwest Bank 370 West Governor Road Hershey, PA 17033 Full Service B&M $52,206
    Northwest Bank 3858 N Buffalo Rd Orchard Park, NY 14127 Full Service B&M $19,497
    Northwest Bank 39 South St. Marys Street Saint Marys, PA 15857 Full Service B&M $109,871
    Northwest Bank 4 Perry Street Union City, PA 16438 Full Service B&M $60,090
    Northwest Bank 400 Jackson Run Road Warren, PA 16365 Full Service B&M $68,310
    Northwest Bank 410 Wilcox Road Johnsonburg, PA 15845 Full Service B&M $42,810
    Northwest Bank 414 Beaver Street Sewickley, PA 15143 Full Service B&M $27,477
    Northwest Bank 426 State Street Curwensville, PA 16833 Full Service B&M $47,025
    Northwest Bank 4270 East Lake Road Erie, PA 16511 Full Service B&M $42,759
    Northwest Bank 428 West Main Street Smethport, PA 16749 Full Service B&M $23,659
    Northwest Bank 42935 North Ridge Road Elyria, OH 44035 Full Service B&M $46,796
    Northwest Bank 431 Washington Avenue Bridgeville, PA 15017 Full Service B&M $69,505
    Northwest Bank 4320 Kent Rd U1 Stow, OH 44224 Full Service B&M $5,012
    Northwest Bank 437 Cochran Road Mount Lebanon, PA 15228 Full Service B&M $35,395
    Northwest Bank 4381 Military Road Niagara Falls, NY 14305 Full Service B&M $64,151
    Northwest Bank 4435 Transit Road Williamsville, NY 14221 Full Service B&M $115,648
    Northwest Bank 4525 Buffalo Road Erie, PA 16510 Full Service B&M $67,049
    Northwest Bank 457 Broadway Lorain, OH 44052 Full Service B&M $124,544
    Northwest Bank 475 Plank Road Webster, NY 14580 Full Service B&M $18,676
    Northwest Bank 475 Theatre Drive Johnstown, PA 15904 Full Service B&M $39,970
    Northwest Bank 49 S Main Street Oberlin, OH 44074 Full Service B&M $63,020
    Northwest Bank 5 Buckingham Street Tidioute, PA 16351 Full Service B&M $15,792
    Northwest Bank 50 South Main Street Mansfield, PA 16933 Full Service B&M $38,110
    Northwest Bank 500 Center Street Lewiston, NY 14092 Full Service B&M $63,013
    Northwest Bank 5066 Shaffer Road Du Bois, PA 15801 Full Service B&M $32,353
    Northwest Bank 520 Front Street Fredericktown, PA 15333 Full Service B&M $43,260
    Northwest Bank 532 Lincoln Avenue Pittsburgh, PA 15202 Full Service B&M $78,933
    Northwest Bank 535 Smithfield Street, Suite 202 Pittsburgh, PA 15222 Full Service B&M $23,290
    Northwest Bank 543 Brownsville Road Pittsburgh, PA 15210 Full Service B&M $30,529
    Northwest Bank 546 North Center Street Lagrange, OH 44050 Full Service B&M $21,574
    Northwest Bank 547 South Tenth Street Lebanon, PA 17042 Full Service B&M $78,087
    Northwest Bank 55 East Avenue Lockport, NY 14094 Full Service B&M $125,136
    Northwest Bank 56 Fraley Street Kane, PA 16735 Full Service B&M $32,558
    Northwest Bank 5751 South Park Avenue Hamburg, NY 14075 Full Service B&M $77,936
    Northwest Bank 600 Kendal Avenue Oberlin, OH 44074 Limited, Mobile/Seasonal Office $10,529
    Northwest Bank 603 Scenery Drive Elizabeth, PA 15037 Full Service B&M $34,417
    Northwest Bank 61 Main Street Wellsboro, PA 16901 Full Service B&M $61,287
    Northwest Bank 6284 Library Road Bethel Park, PA 15102 Full Service B&M $32,408
    Northwest Bank 629 Main Street Rimersburg, PA 16248 Full Service B&M $44,490
    Northwest Bank 6409 Transit Road East Amherst, NY 14051 Full Service B&M $136,954
    Northwest Bank 690 Kenmore Avenue Buffalo, NY 14216 Full Service B&M $44,959
    Northwest Bank 70 Richmond Street Painesville, OH 44077 Full Service B&M $8,179
    Northwest Bank 7029 Us 322 Cranberry, PA 16319 Full Service B&M $45,667
    Northwest Bank 710 Old Clairton Road Pittsburgh, PA 15236 Full Service B&M $53,576
    Northwest Bank 730 Main Street Clarion, PA 16214 Full Service B&M $74,880
    Northwest Bank 730 North Main Street Meadville, PA 16335 Limited, Drive-thru $0
    Northwest Bank 744 South Broad Street Lititz, PA 17543 Full Service B&M $27,026
    Northwest Bank 7512 West Ridge Road Fairview, PA 16415 Full Service B&M $38,923
    Northwest Bank 768 Foote Avenue Jamestown, NY 14701 Full Service B&M $55,031
    Northwest Bank 7709 Mcknight Road Pittsburgh, PA 15237 Full Service B&M $63,762
    Northwest Bank 80 West Columbus Avenue Corry, PA 16407 Full Service B&M $43,867
    Northwest Bank 800 State Street Erie, PA 16501 Full Service B&M $84,225
    Northwest Bank 805 Main Street Niagara Falls, NY 14301 Full Service B&M $68,215
    Northwest Bank 824 South St Marys Street Saint Marys, PA 15857 Full Service B&M $62,814
    Northwest Bank 85 West Washington Street Bradford, PA 16701 Limited, Drive-thru $0
    Northwest Bank 850 Main Street Volant, PA 16156 Full Service B&M $30,418
    Northwest Bank 850 Pittsburgh Avenue Erie, PA 16505 Full Service B&M $71,496
    Northwest Bank 860 Long Pond Road Rochester, NY 14612 Full Service B&M $28,900
    Northwest Bank 905 Main Street Sharpsburg, PA 15215 Full Service B&M $23,711
    Northwest Bank 950 East Main Street Bradford, PA 16701 Full Service B&M $50,095
    Northwest Bank 999 South Main Street Meadville, PA 16335 Full Service B&M $125,304
    Northwest Bank East Lake Road Vermilion, OH 44089 Full Service B&M $63,611
    Northwest Bank Second At Liberty Warren, PA 16365 Full Service B&M $375,685

    For 2018, Northwest Bank had 171 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $387,640
    Net interest income $355,278
    Total noninterest income $90,665
    Gross Fiduciary activities income $7,416
    Service charges on deposit accounts $20,042
    Trading account gains and fees $0
    Additional Noninterest Income $63,207
    Pre-tax net operating income $139,798
    Securities gains (or losses, -) $11
    Income before extraordinary items $110,149
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $110,149
    Minority interest net income $0
    Net income $110,149
    Sale, conversion, retirement of capital stock, net $7,024
    Net operating income $110,140

    Northwest Bank's gross interest income from loans was $387,640,000.
    Northwest Bank's net interest income from loans was $355,278,000.
    Northwest Bank's fee based income from loans was $20,042,000.
    Northwest Bank's net income from loans was $110,149,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $32,362
    Provision for credit losses $20,332
    Total noninterest expense $285,813
    Salaries and employee benefits $161,941
    Premises and equipment expense $33,703
    Additional noninterest expense $90,169
    Applicable income taxes $29,660
    Net charge-offs $21,913
    Cash dividends $105,000

    Northwest Bank's interest expense for loans was $32,362,000.
    Northwest Bank's payroll and benefits expense were $161,941,000.
    Northwest Bank's property, plant and equipment expenses $33,703,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 3.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.7%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $8,135,478
    Deposits held in domestic offices $8,135,478
    Deposits by Individuals, partnerships, and corporations $7,689,477
    Deposits by U.S. Government $50
    Deposits by States and political subdivisions in the U.S. $445,795
    Deposits by Commercial banks and other depository institutions in U.S. $156
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $857,474
    Demand deposits $633,897
    Nontransaction accounts $7,278,004
    Money market deposit accounts (MMDAs) $4,193,797
    Other savings deposits (excluding MMDAs) $1,679,396
    Total time deposits $1,404,811
    Total time and savings deposits $7,501,581
    Noninterest-bearing deposits $1,863,258
    Interest-bearing deposits $6,272,220
    Retail deposits $7,986,303
    IRAs and Keogh plan accounts $274,230
    Brokered deposits $3,578
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $9,701,569
    Cash & Balances due from depository institutions $139,278
    Interest-bearing balances $12,461
    Total securities $824,215
    Federal funds sold & reverse repurchase $0
    Net loans and leases $8,020,769
    Loan and leases loss allowance $55,214
    Trading account assets $0
    Bank premises and fixed assets $141,443
    Other real estate owned $2,498
    Goodwill and other intangibles $329,344
    All other assets $244,022

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $9,701,569
    Total Liabilities $8,493,649
    Total deposits $8,135,478
    Interest-bearing deposits $6,272,220
    Deposits held in domestic offices $8,135,478
    % insured (estimated) $84
    Federal funds purchased and repurchase agreements $105,790
    Trading liabilities $0
    Other borrowed funds $128,600
    Subordinated debt $0
    All other liabilities $123,781

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $8,020,769
    Loan and leases loss allowance $55,214
    Total loans and leases (domestic) $8,075,983
    All real estate loans $6,587,745
    Real estate loans in domestic offices $6,587,745
    Construction and development loans $292,070
    Residential 1-4 family construction $17,981
    Other construction, all land development and other land $274,089
    Loans secured by nonfarm nonresidential properties $1,519,897
    Nonfarm nonresidential secured by owner-occupied properties $632,223
    Commercial real estate & other non-farm, non-residential $887,674
    Multifamily residential real estate $410,606
    1-4 family residential loans $4,262,585
    Farmland loans $102,587
    Loans held in foreign offices $0
    Farm loans $10,933
    Commercial and industrial loans $527,552
    To non-U.S. addressees $0
    Loans to individuals $881,432
    Credit card loans $55,963
    Related Plans $14,097
    Consumer Auto Loans $653,137
    Other loans to individuals $158,235
    All other loans & leases $68,321
    Loans to foreign governments and official institutions $0
    Other loans $50,001
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $31,823
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $16,192
    Non 1-4 family restructured loans & leases $7,805
    Total loans and leases (foreign) $0

    Northwest Bank had $8,020,769,000 of loans outstanding in 2018. $6,587,745,000 of loans were in real estate loans. $292,070,000 of loans were in development loans. $410,606,000 of loans were in multifamily mortgage loans. $4,262,585,000 of loans were in 1-4 family mortgage loans. $10,933,000 of loans were in farm loans. $55,963,000 of loans were in credit card loans. $653,137,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 2,892 $499,164 $172,602
    Nonfarm, nonresidential loans - <$100k 957 $33,785 $35,303
    Nonfarm, nonresidential loans - $100-250k 910 $103,964 $114,246
    Nonfarm, nonresidential loans - $250k-1MM 1,025 $361,415 $352,600
    Commercial & Industrial, US addressed loans - <$1MM 3,722 $243,628 $65,456
    Commercial & Industrial, US addressed loans - <$100k 2,779 $66,931 $24,085
    Commercial & Industrial, US addressed loans - $100-250k 536 $55,591 $103,715
    Commercial & Industrial, US addressed loans - $250k-1MM 407 $121,106 $297,558
    Farmland loans - <$1MM 469 $71,410 $152,260
    Farmland loans - <$100k 181 $7,178 $39,657
    Farmland loans - $100-250k 135 $19,427 $143,904
    Farmland loans - $250k-1MM 153 $44,805 $292,843
    Agriculture operations loans - <$1MM 277 $9,878 $35,661
    Agriculture operations loans - <$100k 255 $6,605 $25,902
    Agriculture operations loans - $100-250k 18 $2,098 $116,556
    Agriculture operations loans - $250k-1MM 4 $1,175 $293,750