Northwest Federal Credit Union mortgage approval rate & lending review
Northwest Federal Credit Union decided 4,763 mortgage applications and funded 3,416 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Northwest Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Northwest Federal Credit Union at a glance
Approval is 5.1 points above the 68.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 84% | 436 / 518 | 97% | $345K | 423 |
| Home improvement loans | 75% | 1,572 / 2,088 | 99% | $105K | 1,552 |
| Cash-out refinance | 69% | 1,274 / 1,845 | 98% | $105K | 1,250 |
| Refinance | 67% | 36 / 54 | 89% | $395K | 32 |
| Investment property purchase | 87% | 62 / 71 | 97% | $275K | 60 |
| Investment cash-out refinance | 44% | 36 / 82 | 97% | $105K | 35 |
| Investment home improvement | 62% | 58 / 93 | 97% | $105K | 56 |
Northwest Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Virginia | 78% | $105K | 2,420 | 1,865 |
| Florida | 60% | $85K | 663 | 390 |
| Maryland | 69% | $105K | 502 | 338 |
| North Carolina | 76% | $135K | 242 | 175 |
| South Carolina | 79% | $65K | 138 | 108 |
| Georgia | 71% | $75K | 118 | 81 |
| California | 58% | $115K | 85 | 48 |
| District of Columbia | 66% | $95K | 64 | 41 |
| Illinois | 56% | $55K | 59 | 33 |
| Pennsylvania | 85% | $75K | 55 | 47 |
| New Jersey | 69% | $115K | 51 | 34 |
| Tennessee | 59% | $105K | 37 | 22 |
| Alabama | 57% | $85K | 30 | 17 |
| Delaware | 77% | $105K | 30 | 23 |
| West Virginia | 76% | $65K | 29 | 22 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Northwest Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Loudoun County, VA | Home improvement loans | 82% | 440 | 356 |
| Fairfax County, VA | Home improvement loans | 82% | 397 | 320 |
| Loudoun County, VA | Cash-out refinance | 74% | 411 | 301 |
| Fairfax County, VA | Cash-out refinance | 77% | 263 | 202 |
| Prince William County, VA | Home improvement loans | 78% | 204 | 158 |
| Prince William County, VA | Cash-out refinance | 73% | 206 | 148 |
| Loudoun County, VA | Mortgage lenders | 83% | 71 | 55 |
| Montgomery County, MD | Home improvement loans | 73% | 74 | 54 |
| Prince George's County, MD | Home improvement loans | 62% | 73 | 44 |
| Montgomery County, MD | Cash-out refinance | 70% | 67 | 43 |
| Broward County, FL | Home improvement loans | 66% | 58 | 38 |
| Prince George's County, MD | Cash-out refinance | 64% | 53 | 32 |
The county markets where Northwest Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Northwest Federal Credit Union
What is Northwest Federal Credit Union's mortgage approval rate?
Northwest Federal Credit Union approved 73.1% of the 4,763 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.1 points above the 68.1% national rate for the same mix of loan types.
How often do borrowers take the loan Northwest Federal Credit Union offers?
Borrowers accepted 98% of the loans Northwest Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Northwest Federal Credit Union make?
The typical home improvement loan loan Northwest Federal Credit Union made was $105K; across all loan types its typical loan ran from $105K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Northwest Federal Credit Union lend?
Northwest Federal Credit Union decided applications in 45 of the states Fat Boy Data covers, most of them in Virginia, Florida and Maryland.
Can I apply to Northwest Federal Credit Union directly?
Yes. Northwest Federal Credit Union is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Northwest Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Northwest Federal Credit Union treats applications, then get a rate quote from the lender.