Northwest Federal Credit Union
Northwest Federal Credit Union received 2,066 applications in 2025 and made 1,248 mortgages, in 317 counties across 42 states. The median rate its borrowers got was 7.000% on a median loan of $125,000. Of 1,742 decisions, 413 were denials — 23.7%, most often for debt-to-income ratio. 3 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300OSZK2W0WJYS771 |
|---|---|
| Applications received | 2,066 |
| Mortgages made | 1,248 |
| Denied | 413 |
| Approved, not taken up | 81 |
| Withdrawn or incomplete | 324 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.4785 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 181 | 6.625% | $335,000 | 11.3% |
| Refinancing | 36 | 5.625% | $455,000 | 14.6% |
| Cash-out refinancing | 444 | 7.000% | $105,000 | 31.9% |
| Other purposes | 587 | 7.000% | $105,000 | 20.6% |
Where Northwest Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Loudoun County, VA | 242 | 7.000% | 21.2% |
| Fairfax County, VA | 210 | 7.000% | 17.8% |
| Prince William County, VA | 119 | 7.000% | 23.1% |
| Fauquier County, VA | 40 | 7.000% | 12.8% |
| Montgomery County, MD | 39 | 7.000% | 28.3% |
| Prince George's County, MD | 21 | 7.125% | 32.4% |
| Frederick County, VA | 20 | 7.125% | 12.5% |
| Arlington County, VA | 17 | 7.000% | 14.3% |
| Frederick County, MD | 16 | 7.000% | 15.8% |
| Wake County, NC | 16 | 7.125% | 5.0% |
| District of Columbia, DC | 14 | 7.250% | 25.0% |
| Manassas city, VA | 14 | 6.875% | 40.0% |
| Alexandria city, VA | 13 | 7.000% | 6.7% |
| Broward County, FL | 12 | 7.000% | 33.3% |
| Palm Beach County, FL | 11 | 7.625% | 29.4% |
| Stafford County, VA | 11 | 7.000% | 20.0% |
| Jefferson County, WV | 11 | 7.625% | 27.8% |
| Charles County, MD | 9 | Under 10 loans | 30.8% |
| Cook County, IL | 8 | Under 10 loans | 33.3% |
| Horry County, SC | 8 | Under 10 loans | 0.0% |
| Culpeper County, VA | 8 | Under 10 loans | 25.0% |
| Spotsylvania County, VA | 8 | Under 10 loans | 46.7% |
| Miami-Dade County, FL | 7 | Under 10 loans | 53.3% |
| Forsyth County, GA | 7 | Under 10 loans | 0.0% |
| Anne Arundel County, MD | 7 | Under 10 loans | 22.2% |
| Clarke County, VA | 7 | Under 10 loans | 0.0% |
| Brevard County, FL | 6 | Under 10 loans | 14.3% |
| New Hanover County, NC | 6 | Under 10 loans | 14.3% |
| Warren County, VA | 6 | Under 10 loans | 0.0% |
| Sussex County, DE | 5 | Under 10 loans | 16.7% |
| Orange County, FL | 5 | Under 10 loans | 50.0% |
| St. Johns County, FL | 5 | Under 10 loans | 16.7% |
| Brunswick County, NC | 5 | Under 10 loans | 25.0% |
| Chesterfield County, VA | 5 | Under 10 loans | 16.7% |
| Louisa County, VA | 5 | Under 10 loans | 25.0% |
| Manassas Park city, VA | 5 | Under 10 loans | 44.4% |
| Berkeley County, WV | 5 | Under 10 loans | 50.0% |
| Duval County, FL | 4 | Under 10 loans | 20.0% |
| Lee County, FL | 4 | Under 10 loans | 16.7% |
| Sarasota County, FL | 4 | Under 10 loans | 0.0% |
| Calvert County, MD | 4 | Under 10 loans | 20.0% |
| Howard County, MD | 4 | Under 10 loans | 20.0% |
| Charleston County, SC | 4 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 3 | Under 10 loans | 0.0% |
| Lake County, FL | 3 | Under 10 loans | 57.1% |
| Osceola County, FL | 3 | Under 10 loans | 50.0% |
| St. Lucie County, FL | 3 | Under 10 loans | 57.1% |
| Seminole County, FL | 3 | Under 10 loans | 62.5% |
| Volusia County, FL | 3 | Under 10 loans | 57.1% |
| Washington County, MD | 3 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.