Northwest Federal Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Northwest Federal Credit Union of Herndon, VA reported 2,520 mortgage applications totaling $582.7 million, down 10% from 2024. The average application was for $231,230, and applicants reported an average income of $184,693. 50% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Arlington-Alexandria-Reston, VA-WV (1,119), Washington-Baltimore-Arlington, DC (91) and Washington, DC-MD (83) (applications in parentheses).
| Mortgage Company & Address | Northwest Federal Credit Union 220 Spring Street Herndon, VA 20170 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,520 |
| Total Mortgage Loan Application Amount | $582,700,000 |
| Average Mortgage Loan Application Amount | $231,230 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $184,693 |
| Highest Applicant Income | $4,404,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Northwest Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Loudoun, Virginia | 378 | $ 74,540,000 | $ 197,195 | $ 211,000 |
| Fairfax, Virginia | 330 | $ 68,830,000 | $ 208,575 | $ 205,000 |
| Prince William, Virginia | 183 | $ 29,765,000 | $ 162,650 | $ 180,000 |
| Montgomery, Maryland | 66 | $ 14,680,000 | $ 222,424 | $ 188,000 |
| Fauquier, Virginia | 55 | $ 9,515,000 | $ 173,000 | $ 181,000 |
| Prince George's, Maryland | 46 | $ 6,130,000 | $ 133,260 | $ 159,000 |
| Frederick, Virginia | 28 | $ 5,180,000 | $ 185,000 | $ 170,000 |
| Palm Beach, Florida | 27 | $ 3,095,000 | $ 114,629 | $ 133,000 |
| Manassas, Virginia | 26 | $ 4,480,000 | $ 172,307 | $ 137,000 |
| Frederick, Maryland | 25 | $ 4,685,000 | $ 187,400 | $ 207,000 |
| Arlington, Virginia | 25 | $ 6,795,000 | $ 271,800 | $ 408,000 |
| District of Columbia, District Of Columbia | 24 | $ 5,910,000 | $ 246,250 | $ 178,000 |
| Wake, North Carolina | 24 | $ 6,110,000 | $ 254,583 | $ 220,000 |
| Broward, Florida | 22 | $ 3,600,000 | $ 163,636 | $ 183,000 |
| Alexandria, Virginia | 22 | $ 5,340,000 | $ 242,727 | $ 200,000 |
| Jefferson, West Virginia | 20 | $ 2,710,000 | $ 135,500 | $ 155,000 |
| Miami-Dade, Florida | 18 | $ 3,030,000 | $ 168,333 | $ 203,000 |
| Spotsylvania, Virginia | 18 | $ 3,390,000 | $ 188,333 | $ 221,000 |
| Stafford, Virginia | 16 | $ 4,090,000 | $ 255,625 | $ 187,000 |
| Seminole, Florida | 14 | $ 2,510,000 | $ 179,285 | $ 110,000 |
| Cook, Illinois | 14 | $ 2,540,000 | $ 181,428 | $ 117,000 |
| Culpeper, Virginia | 14 | $ 2,520,000 | $ 180,000 | $ 114,000 |
| Charles, Maryland | 13 | $ 1,145,000 | $ 88,076 | $ 165,000 |
| Berkeley, West Virginia | 12 | $ 1,350,000 | $ 112,500 | $ 82,000 |
| Anne Arundel, Maryland | 11 | $ 2,525,000 | $ 229,545 | $ 180,000 |
| Brunswick, North Carolina | 11 | $ 4,725,000 | $ 429,545 | $ 272,000 |
| Orange, Florida | 10 | $ 800,000 | $ 80,000 | $ 153,000 |
| Forsyth, Georgia | 10 | $ 2,120,000 | $ 212,000 | $ 687,000 |
| Mecklenburg, North Carolina | 10 | $ 2,270,000 | $ 227,000 | $ 132,000 |
| Horry, South Carolina | 10 | $ 1,710,000 | $ 171,000 | $ 149,000 |
| Manassas Park, Virginia | 10 | $ 1,390,000 | $ 139,000 | $ 156,000 |
| Brevard, Florida | 9 | $ 965,000 | $ 107,222 | $ 190,000 |
| St. Lucie, Florida | 9 | $ 1,185,000 | $ 131,666 | $ 150,000 |
| Calvert, Maryland | 8 | $ 1,290,000 | $ 161,250 | $ 201,000 |
| New Hanover, North Carolina | 8 | $ 1,090,000 | $ 136,250 | $ 174,000 |
| Clarke, Virginia | 8 | $ 2,080,000 | $ 260,000 | $ 148,000 |
| Louisa, Virginia | 8 | $ 820,000 | $ 102,500 | $ 164,000 |
| Richmond City, Virginia | 8 | $ 2,150,000 | $ 268,750 | $ 177,000 |
| Sussex, Delaware | 7 | $ 1,215,000 | $ 173,571 | $ 168,000 |
| Lake, Florida | 7 | $ 545,000 | $ 77,857 | $ 74,000 |
| Osceola, Florida | 7 | $ 945,000 | $ 135,000 | $ 94,000 |
| Volusia, Florida | 7 | $ 675,000 | $ 96,428 | $ 129,000 |
| Howard, Maryland | 7 | $ 905,000 | $ 129,285 | $ 171,000 |
| Union, North Carolina | 7 | $ 875,000 | $ 125,000 | $ 180,000 |
| Chesterfield, Virginia | 7 | $ 1,575,000 | $ 225,000 | $ 143,000 |
| Warren, Virginia | 7 | $ 1,895,000 | $ 270,714 | $ 219,000 |
| Duval, Florida | 6 | $ 870,000 | $ 145,000 | $ 135,000 |
| Lee, Florida | 6 | $ 1,440,000 | $ 240,000 | $ 216,000 |
| Pinellas, Florida | 6 | $ 520,000 | $ 86,666 | $ 232,000 |
| St. Johns, Florida | 6 | $ 900,000 | $ 150,000 | $ 176,000 |
| Fairfax City, Virginia | 6 | $ 1,220,000 | $ 203,333 | $ 184,000 |
| Henrico, Virginia | 6 | $ 1,150,000 | $ 191,666 | $ 132,000 |
| Sarasota, Florida | 5 | $ 2,755,000 | $ 551,000 | $ 420,000 |
| Cobb, Georgia | 5 | $ 505,000 | $ 101,000 | $ 116,000 |
| Harnett, North Carolina | 5 | $ 775,000 | $ 155,000 | $ 76,000 |
| Beaufort, South Carolina | 5 | $ 985,000 | $ 197,000 | $ 101,000 |
| Richland, South Carolina | 5 | $ 575,000 | $ 115,000 | $ 95,000 |
| Shenandoah, Virginia | 5 | $ 895,000 | $ 179,000 | $ 229,000 |
| Mobile, Alabama | 4 | $ 250,000 | $ 62,500 | $ 96,000 |
| Clay, Florida | 4 | $ 800,000 | $ 200,000 | $ 191,000 |
| Hillsborough, Florida | 4 | $ 430,000 | $ 107,500 | $ 364,000 |
| Chatham, Georgia | 4 | $ 510,000 | $ 127,500 | $ 60,000 |
| Fulton, Georgia | 4 | $ 1,030,000 | $ 257,500 | $ 234,000 |
| Clark, Nevada | 4 | $ 860,000 | $ 215,000 | $ 168,000 |
| Bernalillo, New Mexico | 4 | $ 1,010,000 | $ 252,500 | $ 137,000 |
| Granville, North Carolina | 4 | $ 600,000 | $ 150,000 | $ 176,000 |
| Charleston, South Carolina | 4 | $ 650,000 | $ 162,500 | $ 229,000 |
| Lexington, South Carolina | 4 | $ 420,000 | $ 105,000 | $ 72,000 |
| Albemarle, Virginia | 4 | $ 1,170,000 | $ 292,500 | $ 120,000 |
| Bedford, Virginia | 4 | $ 410,000 | $ 102,500 | $ 352,000 |
| Jefferson, Alabama | 3 | $ 355,000 | $ 118,333 | $ 68,000 |
| Alameda, California | 3 | $ 965,000 | $ 321,666 | $ 308,000 |
| Placer, California | 3 | $ 685,000 | $ 228,333 | $ 194,000 |
| Nassau, Florida | 3 | $ 1,575,000 | $ 525,000 | $ 306,000 |
| Pasco, Florida | 3 | $ 575,000 | $ 191,666 | $ 260,000 |
| Polk, Florida | 3 | $ 215,000 | $ 71,666 | $ 58,000 |
| Cherokee, Georgia | 3 | $ 295,000 | $ 98,333 | $ 65,000 |
| Gwinnett, Georgia | 3 | $ 585,000 | $ 195,000 | $ 108,000 |
| Kane, Illinois | 3 | $ 105,000 | $ 35,000 | $ 201,000 |
| Lake, Illinois | 3 | $ 305,000 | $ 101,666 | $ 154,000 |
| Baltimore, Maryland | 3 | $ 515,000 | $ 171,666 | $ 155,000 |
| Carroll, Maryland | 3 | $ 275,000 | $ 91,666 | $ 152,000 |
| St. Mary's, Maryland | 3 | $ 525,000 | $ 175,000 | $ 182,000 |
| Washington, Maryland | 3 | $ 285,000 | $ 95,000 | $ 633,000 |
| Morris, New Jersey | 3 | $ 1,185,000 | $ 395,000 | $ 212,000 |
| Erie, New York | 3 | $ 355,000 | $ 118,333 | $ 78,000 |
| Davidson, North Carolina | 3 | $ 635,000 | $ 211,666 | $ 217,000 |
| Johnston, North Carolina | 3 | $ 515,000 | $ 171,666 | $ 106,000 |
| Lincoln, North Carolina | 3 | $ 505,000 | $ 168,333 | $ 168,000 |
| Moore, North Carolina | 3 | $ 75,000 | $ 25,000 | $ 66,000 |
| Rowan, North Carolina | 3 | $ 185,000 | $ 61,666 | $ 50,000 |
| Montgomery, Pennsylvania | 3 | $ 235,000 | $ 78,333 | $ 114,000 |
| York, Pennsylvania | 3 | $ 515,000 | $ 171,666 | $ 98,000 |
| Berkeley, South Carolina | 3 | $ 705,000 | $ 235,000 | $ 264,000 |
| Grainger, Tennessee | 3 | $ 295,000 | $ 98,333 | $ 91,000 |
| Jefferson, Tennessee | 3 | $ 475,000 | $ 158,333 | $ 153,000 |
| Rutherford, Tennessee | 3 | $ 325,000 | $ 108,333 | $ 116,000 |
| Shelby, Tennessee | 3 | $ 1,265,000 | $ 421,666 | $ 187,000 |
| Winchester, Virginia | 3 | $ 255,000 | $ 85,000 | $ 136,000 |
| Hampshire, West Virginia | 3 | $ 235,000 | $ 78,333 | $ 145,000 |
| Tuscaloosa, Alabama | 2 | $ 260,000 | $ 130,000 | $ 71,000 |
| Maricopa, Arizona | 2 | $ 160,000 | $ 80,000 | $ 177,000 |
| Yavapai, Arizona | 2 | $ 170,000 | $ 85,000 | $ 133,000 |
| Benton, Arkansas | 2 | $ 100,000 | $ 50,000 | $ 35,000 |
| Los Angeles, California | 2 | $ 150,000 | $ 75,000 | $ 81,000 |
| Orange, California | 2 | $ 1,010,000 | $ 505,000 | $ 168,000 |
| San Joaquin, California | 2 | $ 210,000 | $ 105,000 | $ 176,000 |
| Boulder, Colorado | 2 | $ 330,000 | $ 165,000 | $ 200,000 |
| Jefferson, Colorado | 2 | $ 930,000 | $ 465,000 | $ 217,000 |
| Capitol Planning Region, Connecticut | 2 | $ 690,000 | $ 345,000 | $ 136,000 |
| Citrus, Florida | 2 | $ 610,000 | $ 305,000 | $ 360,000 |
| Flagler, Florida | 2 | $ 280,000 | $ 140,000 | $ 127,000 |
| Hernando, Florida | 2 | $ 260,000 | $ 130,000 | $ 88,000 |
| Martin, Florida | 2 | $ 370,000 | $ 185,000 | $ 178,000 |
| DeKalb, Georgia | 2 | $ 220,000 | $ 110,000 | $ 295,000 |
| Hall, Georgia | 2 | $ 720,000 | $ 360,000 | $ 182,000 |
| Richmond, Georgia | 2 | $ 480,000 | $ 240,000 | $ 117,000 |
| Ada, Idaho | 2 | $ 1,080,000 | $ 540,000 | $ 350,000 |
| Sedgwick, Kansas | 2 | $ 150,000 | $ 75,000 | $ 87,000 |
| Baltimore City, Maryland | 2 | $ 110,000 | $ 55,000 | $ 95,000 |
| Garrett, Maryland | 2 | $ 950,000 | $ 475,000 | $ 370,000 |
| Worcester, Maryland | 2 | $ 830,000 | $ 415,000 | $ 293,000 |
| Iosco, Michigan | 2 | $ 100,000 | $ 50,000 | $ 48,000 |
| Somerset, New Jersey | 2 | $ 610,000 | $ 305,000 | $ 98,000 |
| Warren, New Jersey | 2 | $ 350,000 | $ 175,000 | $ 232,000 |
| Craven, North Carolina | 2 | $ 150,000 | $ 75,000 | $ 143,000 |
| Henderson, North Carolina | 2 | $ 210,000 | $ 105,000 | $ 89,000 |
| Lenoir, North Carolina | 2 | $ 290,000 | $ 145,000 | $ 257,000 |
| Onslow, North Carolina | 2 | $ 130,000 | $ 65,000 | $ 194,000 |
| Orange, North Carolina | 2 | $ 180,000 | $ 90,000 | $ 106,000 |
| Ottawa, Ohio | 2 | $ 270,000 | $ 135,000 | $ 233,000 |
| Adams, Pennsylvania | 2 | $ 130,000 | $ 65,000 | $ 58,000 |
| Delaware, Pennsylvania | 2 | $ 200,000 | $ 100,000 | $ 172,000 |
| Huntingdon, Pennsylvania | 2 | $ 180,000 | $ 90,000 | $ 139,000 |
| Lehigh, Pennsylvania | 2 | $ 180,000 | $ 90,000 | $ 245,000 |
| Greenville, South Carolina | 2 | $ 330,000 | $ 165,000 | $ 112,000 |
| Greenwood, South Carolina | 2 | $ 270,000 | $ 135,000 | $ 238,000 |
| Pickens, South Carolina | 2 | $ 110,000 | $ 55,000 | $ 94,000 |
| Spartanburg, South Carolina | 2 | $ 180,000 | $ 90,000 | $ 88,000 |
| York, South Carolina | 2 | $ 310,000 | $ 155,000 | $ 166,000 |
| Cumberland, Tennessee | 2 | $ 270,000 | $ 135,000 | $ 43,000 |
| Davidson, Tennessee | 2 | $ 80,000 | $ 40,000 | $ 50,000 |
| Roane, Tennessee | 2 | $ 130,000 | $ 65,000 | $ 79,000 |
| Williamson, Tennessee | 2 | $ 270,000 | $ 135,000 | $ 209,000 |
| Denton, Texas | 2 | $ 960,000 | $ 480,000 | $ 223,000 |
| Williamson, Texas | 2 | $ 630,000 | $ 315,000 | $ 65,000 |
| Hampton, Virginia | 2 | $ 450,000 | $ 225,000 | $ 79,000 |
| Madison, Virginia | 2 | $ 230,000 | $ 115,000 | $ 92,000 |
| Powhatan, Virginia | 2 | $ 500,000 | $ 250,000 | $ 160,000 |
| Roanoke, Virginia | 2 | $ 60,000 | $ 30,000 | $ 73,000 |
| Westmoreland, Virginia | 2 | $ 410,000 | $ 205,000 | $ 258,000 |
| King, Washington | 2 | $ 810,000 | $ 405,000 | $ 321,000 |
| Pierce, Washington | 2 | $ 210,000 | $ 105,000 | $ 155,000 |
| Tucker, West Virginia | 2 | $ 660,000 | $ 330,000 | $ 367,000 |
| Baldwin, Alabama | 1 | $ 445,000 | $ 445,000 | $ 237,000 |
| Lauderdale, Alabama | 1 | $ 155,000 | $ 155,000 | $ 148,000 |
| Contra Costa, California | 1 | $ 115,000 | $ 115,000 | $ 158,000 |
| Riverside, California | 1 | $ 55,000 | $ 55,000 | $ 144,000 |
| Sacramento, California | 1 | $ 395,000 | $ 395,000 | $ 246,000 |
| San Bernardino, California | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| San Diego, California | 1 | $ 945,000 | $ 945,000 | $ 370,000 |
| Santa Clara, California | 1 | $ 205,000 | $ 205,000 | $ 75,000 |
| Solano, California | 1 | $ 65,000 | $ 65,000 | $ 167,000 |
| Eagle, Colorado | 1 | $ 175,000 | $ 175,000 | $ 120,000 |
| El Paso, Colorado | 1 | $ 75,000 | $ 75,000 | $ 95,000 |
| Summit, Colorado | 1 | $ 155,000 | $ 155,000 | $ 103,000 |
| Southeastern Connecticut Planning Region, Connecticut | 1 | $ 105,000 | $ 105,000 | $ 125,000 |
| Western Connecticut Planning Region, Connecticut | 1 | $ 245,000 | $ 245,000 | $ 89,000 |
| Kent, Delaware | 1 | $ 35,000 | $ 35,000 | $ 35,000 |
| New Castle, Delaware | 1 | $ 65,000 | $ 65,000 | $ 180,000 |
| Alachua, Florida | 1 | $ 105,000 | $ 105,000 | $ 79,000 |
| Charlotte, Florida | 1 | $ 505,000 | $ 505,000 | $ 153,000 |
| Collier, Florida | 1 | $ 105,000 | $ 105,000 | $ 12,000 |
| Escambia, Florida | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Leon, Florida | 1 | $ 45,000 | $ 45,000 | $ 64,000 |
| Manatee, Florida | 1 | $ 255,000 | $ 255,000 | $ 245,000 |
| Marion, Florida | 1 | $ 315,000 | $ 315,000 | $ 177,000 |
| Santa Rosa, Florida | 1 | $ 65,000 | $ 65,000 | $ 216,000 |
| Sumter, Florida | 1 | $ 275,000 | $ 275,000 | $ 143,000 |
| Suwannee, Florida | 1 | $ 105,000 | $ 105,000 | $ 132,000 |
| Dawson, Georgia | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Effingham, Georgia | 1 | $ 35,000 | $ 35,000 | $ 113,000 |
| Henry, Georgia | 1 | $ 275,000 | $ 275,000 | $ 127,000 |
| Houston, Georgia | 1 | $ 45,000 | $ 45,000 | $ 92,000 |
| Liberty, Georgia | 1 | $ 75,000 | $ 75,000 | $ 124,000 |
| Lumpkin, Georgia | 1 | $ 125,000 | $ 125,000 | $ 91,000 |
| Newton, Georgia | 1 | $ 65,000 | $ 65,000 | $ 77,000 |
| Wayne, Georgia | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Honolulu, Hawaii | 1 | $ 1,175,000 | $ 1,175,000 | $ 367,000 |
| Kankakee, Illinois | 1 | $ 45,000 | $ 45,000 | $ 120,000 |
| Madison, Illinois | 1 | $ 215,000 | $ 215,000 | $ 68,000 |
| McHenry, Illinois | 1 | $ 75,000 | $ 75,000 | $ 141,000 |
| Kosciusko, Indiana | 1 | $ 55,000 | $ 55,000 | $ 336,000 |
| Porter, Indiana | 1 | $ 55,000 | $ 55,000 | $ 170,000 |
| St. Joseph, Indiana | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Delaware, Iowa | 1 | $ 155,000 | $ 155,000 | $ 84,000 |
| Butler, Kansas | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Johnson, Kansas | 1 | $ 195,000 | $ 195,000 | $ 172,000 |
| Boyd, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 69,000 |
| Christian, Kentucky | 1 | $ 255,000 | $ 255,000 | $ 54,000 |
| Fayette, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 150,000 |
| Graves, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 111,000 |
| Wayne, Kentucky | 1 | $ 405,000 | $ 405,000 | $ 23,000 |
| St. Tammany, Louisiana | 1 | $ 255,000 | $ 255,000 | $ 124,000 |
| Aroostook, Maine | 1 | $ 525,000 | $ 525,000 | $ 283,000 |
| Cumberland, Maine | 1 | $ 205,000 | $ 205,000 | $ 137,000 |
| Kennebec, Maine | 1 | $ 445,000 | $ 445,000 | $ 164,000 |
| Lincoln, Maine | 1 | $ 115,000 | $ 115,000 | $ 137,000 |
| Somerset, Maine | 1 | $ 345,000 | $ 345,000 | $ 165,000 |
| York, Maine | 1 | $ 285,000 | $ 285,000 | $ 88,000 |
| Berkshire, Massachusetts | 1 | $ 455,000 | $ 455,000 | $ 142,000 |
| Middlesex, Massachusetts | 1 | $ 205,000 | $ 205,000 | $ 564,000 |
| Plymouth, Massachusetts | 1 | $ 65,000 | $ 65,000 | $ 120,000 |
| Genesee, Michigan | 1 | $ 75,000 | $ 75,000 | $ 110,000 |
| Macomb, Michigan | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| Oakland, Michigan | 1 | $ 265,000 | $ 265,000 | $ 268,000 |
| Washtenaw, Michigan | 1 | $ 355,000 | $ 355,000 | $ 160,000 |
| Rankin, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 179,000 |
| Douglas, Nebraska | 1 | $ 75,000 | $ 75,000 | $ 201,000 |
| Saunders, Nebraska | 1 | $ 75,000 | $ 75,000 | $ 59,000 |
| Carroll, New Hampshire | 1 | $ 355,000 | $ 355,000 | $ 241,000 |
| Burlington, New Jersey | 1 | $ 215,000 | $ 215,000 | $ 281,000 |
| Cape May, New Jersey | 1 | $ 325,000 | $ 325,000 | $ 229,000 |
| Essex, New Jersey | 1 | $ 135,000 | $ 135,000 | $ 323,000 |
| Middlesex, New Jersey | 1 | $ 65,000 | $ 65,000 | $ 122,000 |
| Monmouth, New Jersey | 1 | $ 365,000 | $ 365,000 | $ 192,000 |
| Passaic, New Jersey | 1 | $ 105,000 | $ 105,000 | $ 180,000 |
| Albany, New York | 1 | $ 185,000 | $ 185,000 | $ 131,000 |
| Columbia, New York | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Orange, New York | 1 | $ 125,000 | $ 125,000 | $ 233,000 |
| Oswego, New York | 1 | $ 45,000 | $ 45,000 | $ 89,000 |
| Putnam, New York | 1 | $ 505,000 | $ 505,000 | $ 310,000 |
| Alleghany, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 157,000 |
| Carteret, North Carolina | 1 | $ 705,000 | $ 705,000 | $ 377,000 |
| Chatham, North Carolina | 1 | $ 55,000 | $ 55,000 | $ 368,000 |
| Cherokee, North Carolina | 1 | $ 65,000 | $ 65,000 | $ 172,000 |
| Cleveland, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 144,000 |
| Cumberland, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 152,000 |
| Currituck, North Carolina | 1 | $ 355,000 | $ 355,000 | $ 440,000 |
| Dare, North Carolina | 1 | $ 305,000 | $ 305,000 | $ 196,000 |
| Forsyth, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 110,000 |
| Guilford, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Halifax, North Carolina | 1 | $ 865,000 | $ 865,000 | $ 375,000 |
| Haywood, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 156,000 |
| Iredell, North Carolina | 1 | $ 45,000 | $ 45,000 | $ 73,000 |
| Lee, North Carolina | 1 | $ 745,000 | $ 745,000 | $ 294,000 |
| Montgomery, North Carolina | 1 | $ 615,000 | $ 615,000 | $ 370,000 |
| Pender, North Carolina | 1 | $ 65,000 | $ 65,000 | $ 138,000 |
| Surry, North Carolina | 1 | $ 45,000 | $ 45,000 | $ 111,000 |
| Transylvania, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 130,000 |
| Tulsa, Oklahoma | 1 | $ 465,000 | $ 465,000 | $ 229,000 |
| Jackson, Oregon | 1 | $ 255,000 | $ 255,000 | $ 178,000 |
| Marion, Oregon | 1 | $ 105,000 | $ 105,000 | $ 161,000 |
| Multnomah, Oregon | 1 | $ 255,000 | $ 255,000 | $ 855,000 |
| Washington, Oregon | 1 | $ 105,000 | $ 105,000 | $ 174,000 |
| Allegheny, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 75,000 |
| Bedford, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 160,000 |
| Centre, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 98,000 |
| Chester, Pennsylvania | 1 | $ 1,155,000 | $ 1,155,000 | $ 385,000 |
| Erie, Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 195,000 |
| Fulton, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 74,000 |
| Luzerne, Pennsylvania | 1 | $ 285,000 | $ 285,000 | $ 160,000 |
| Northampton, Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Philadelphia, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 32,000 |
| Schuylkill, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 43,000 |
| Tioga, Pennsylvania | 1 | $ 585,000 | $ 585,000 | $ 239,000 |
| Westmoreland, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Bristol, Rhode Island | 1 | $ 155,000 | $ 155,000 | $ 228,000 |
| Washington, Rhode Island | 1 | $ 55,000 | $ 55,000 | $ 104,000 |
| Aiken, South Carolina | 1 | $ 135,000 | $ 135,000 | $ 120,000 |
| Calhoun, South Carolina | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Dorchester, South Carolina | 1 | $ 185,000 | $ 185,000 | $ 162,000 |
| Lancaster, South Carolina | 1 | $ 155,000 | $ 155,000 | $ 257,000 |
| Oconee, South Carolina | 1 | $ 85,000 | $ 85,000 | $ 74,000 |
| Sumter, South Carolina | 1 | $ 185,000 | $ 185,000 | $ 147,000 |
| Bradley, Tennessee | 1 | $ 285,000 | $ 285,000 | $ 130,000 |
| Cheatham, Tennessee | 1 | $ 125,000 | $ 125,000 | $ 113,000 |
| Fentress, Tennessee | 1 | $ 235,000 | $ 235,000 | $ 193,000 |
| Knox, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 386,000 |
| Maury, Tennessee | 1 | $ 35,000 | $ 35,000 | $ 56,000 |
| Putnam, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 52,000 |
| Wilson, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 80,000 |
| Ellis, Texas | 1 | $ 185,000 | $ 185,000 | $ 143,000 |
| Fort Bend, Texas | 1 | $ 655,000 | $ 655,000 | $ 195,000 |
| McLennan, Texas | 1 | $ 225,000 | $ 225,000 | $ 89,000 |
| Medina, Texas | 1 | $ 285,000 | $ 285,000 | $ 78,000 |
| Montague, Texas | 1 | $ 55,000 | $ 55,000 | $ 94,000 |
| Botetourt, Virginia | 1 | $ 205,000 | $ 205,000 | $ 133,000 |
| Brunswick, Virginia | 1 | $ 175,000 | $ 175,000 | $ 71,000 |
| Caroline, Virginia | 1 | $ 65,000 | $ 65,000 | $ 93,000 |
| Charlottesville, Virginia | 1 | $ 75,000 | $ 75,000 | $ 88,000 |
| Chesapeake, Virginia | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Danville, Virginia | 1 | $ 75,000 | $ 75,000 | $ 80,000 |
| Essex, Virginia | 1 | $ 55,000 | $ 55,000 | $ 94,000 |
| Floyd, Virginia | 1 | $ 955,000 | $ 955,000 | $ 293,000 |
| Fluvanna, Virginia | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Franklin, Virginia | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Fredericksburg, Virginia | 1 | $ 95,000 | $ 95,000 | $ 167,000 |
| Greene, Virginia | 1 | $ 105,000 | $ 105,000 | $ 248,000 |
| Hopewell, Virginia | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| James City, Virginia | 1 | $ 55,000 | $ 55,000 | $ 102,000 |
| King George, Virginia | 1 | $ 105,000 | $ 105,000 | $ 73,000 |
| Lancaster, Virginia | 1 | $ 245,000 | $ 245,000 | $ 375,000 |
| Montgomery, Virginia | 1 | $ 105,000 | $ 105,000 | $ 188,000 |
| New Kent, Virginia | 1 | $ 125,000 | $ 125,000 | $ 204,000 |
| Norfolk, Virginia | 1 | $ 55,000 | $ 55,000 | $ 195,000 |
| Orange, Virginia | 1 | $ 405,000 | $ 405,000 | $ 151,000 |
| Page, Virginia | 1 | $ 55,000 | $ 55,000 | $ 125,000 |
| Portsmouth, Virginia | 1 | $ 255,000 | $ 255,000 | $ 312,000 |
| Radford, Virginia | 1 | $ 155,000 | $ 155,000 | $ 91,000 |
| Richmond, Virginia | 1 | $ 105,000 | $ 105,000 | $ 190,000 |
| Rockingham, Virginia | 1 | $ 55,000 | $ 55,000 | $ 362,000 |
| Suffolk, Virginia | 1 | $ 85,000 | $ 85,000 | $ 27,000 |
| Kitsap, Washington | 1 | $ 225,000 | $ 225,000 | $ 221,000 |
| Spokane, Washington | 1 | $ 725,000 | $ 725,000 | $ 242,000 |
| Whatcom, Washington | 1 | $ 155,000 | $ 155,000 | $ 79,000 |
| Morgan, West Virginia | 1 | $ 45,000 | $ 45,000 | $ 183,000 |
| Summers, West Virginia | 1 | $ 305,000 | $ 305,000 | $ 95,000 |
| Waukesha, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 116,000 |
Mortgage Loan Application Detail Totals for Northwest Federal Credit Union in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 883 | $115,595,000 | $130,000 | $945,000 | $187,000 | $855,000 |
| Cash-out Refinancing | 817 | $117,605,000 | $143,000 | $1,605,000 | $179,000 | $2,530,000 |
| Home Purchase | 747 | $315,265,000 | $422,000 | $2,005,000 | $178,000 | $900,000 |
| Refinancing | 73 | $34,235,000 | $468,000 | $1,295,000 | $289,000 | $4,404,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,341 | $303,605,000 | $226,000 | $2,005,000 | $185,000 | $855,000 |
| Not Provided | 355 | $96,935,000 | $273,000 | $1,605,000 | $231,000 | $4,404,000 |
| Black or African American | 303 | $56,715,000 | $187,000 | $885,000 | $152,000 | $1,640,000 |
| Hispanic | 265 | $52,075,000 | $196,000 | $1,075,000 | $143,000 | $850,000 |
| Asian | 231 | $64,685,000 | $280,000 | $1,605,000 | $201,000 | $700,000 |
| American Indian or Alaskan Native | 20 | $5,570,000 | $278,000 | $805,000 | $172,000 | $488,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $3,115,000 | $623,000 | $995,000 | $291,000 | $421,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,495 | $570,505,000 | $228,000 | $2,005,000 | $184,000 | $4,404,000 |
| VA-guaranteed (Veterans Administration) | 25 | $12,195,000 | $487,000 | $895,000 | $228,000 | $514,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,248 | $233,260,000 | $186,000 | $1,525,000 | $202,000 | $2,530,000 |
| Application Denied By Financial Institution | 413 | $59,115,000 | $143,000 | $1,045,000 | $123,000 | $720,000 |
| Preapproval Approved but not Accepted | 355 | $152,295,000 | $429,000 | $2,005,000 | $174,000 | $800,000 |
| Application Withdrawn By Applicant | 259 | $68,515,000 | $264,000 | $1,605,000 | $236,000 | $4,404,000 |
| Preapproval Denied by Financial Institution | 99 | $38,695,000 | $390,000 | $805,000 | $117,000 | $850,000 |
| Application Approved But Not Accepted | 81 | $20,415,000 | $252,000 | $1,865,000 | $199,000 | $684,000 |
| File Closed For Incompleteness | 65 | $10,405,000 | $160,000 | $1,005,000 | $200,000 | $538,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,008 | $484,890,000 | $241,000 | $2,005,000 | $201,000 | $4,404,000 |
| Debt-To-Income Ratio | 405 | $76,845,000 | $189,000 | $805,000 | $106,000 | $575,000 |
| Credit History | 54 | $11,290,000 | $209,000 | $1,045,000 | $187,000 | $720,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 23 | $5,355,000 | $232,000 | $635,000 | $187,000 | $850,000 |
| Collateral | 21 | $2,695,000 | $128,000 | $265,000 | $159,000 | $401,000 |
| Other | 7 | $1,185,000 | $169,000 | $305,000 | $206,000 | $402,000 |
| Employment History | 2 | $440,000 | $220,000 | $285,000 | $37,000 | $75,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Northwest Federal Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Northwest Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Virginia, download the full spreadsheet
with aggregated HMDA statistics today.
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