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records Northwest Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Northwest Federal Credit Union by Metropolitan Area in 2025

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Arlington-Alexandria-Reston, VA-WV 1,119 $ 218,655,000 $ 195,402 $ 202,142
Outside any metro area 531 $ 205,225,000 $ 386,487 $ 166,606
Washington-Baltimore-Arlington, DC 91 $ 19,365,000 $ 212,802 $ 193,000
Washington, DC-MD 83 $ 13,185,000 $ 158,855 $ 165,204
Orlando-Kissimmee-Sanford, FL 38 $ 4,800,000 $ 126,315 $ 112,000
Winchester, VA-WV 34 $ 5,670,000 $ 166,764 $ 165,058
Charlotte-Concord-Gastonia, NC-SC 27 $ 4,345,000 $ 160,925 $ 146,111
Raleigh, NC 27 $ 6,625,000 $ 245,370 $ 207,000
West Palm Beach-Boca Raton-Delray Beach, FL 27 $ 3,095,000 $ 114,629 $ 133,000
Baltimore-Columbia-Towson, MD 26 $ 4,330,000 $ 166,538 $ 165,000
Richmond, VA 25 $ 5,605,000 $ 224,200 $ 153,000
Atlanta-Sandy Springs-Roswell, GA 23 $ 4,475,000 $ 194,565 $ 395,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 22 $ 3,600,000 $ 163,636 $ 183,000
Wilmington, NC 20 $ 5,880,000 $ 294,000 $ 226,000
Jacksonville, FL 19 $ 4,145,000 $ 218,157 $ 187,000
Miami-Miami Beach-Kendall, FL 18 $ 3,030,000 $ 168,333 $ 203,000
Hagerstown-Martinsburg, MD-WV 16 $ 1,680,000 $ 105,000 $ 191,812
Chicago-Naperville, IL 15 $ 2,615,000 $ 174,333 $ 118,000
Lexington Park, MD 11 $ 1,815,000 $ 165,000 $ 196,000
Port St. Lucie, FL 11 $ 1,555,000 $ 141,363 $ 155,000
Columbia, SC 10 $ 1,070,000 $ 107,000 $ 78,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 10 $ 1,710,000 $ 171,000 $ 149,000
Nashville-Davidson--Murfreesboro--Franklin, TN 10 $ 900,000 $ 90,000 $ 111,000
Deltona-Daytona Beach-Ormond Beach, FL 9 $ 955,000 $ 106,111 $ 128,000
Palm Bay-Melbourne-Titusville, FL 9 $ 965,000 $ 107,222 $ 190,000
Tampa, FL 9 $ 1,265,000 $ 140,555 $ 268,000
Charleston-North Charleston, SC 8 $ 1,540,000 $ 192,500 $ 233,000
Marietta, GA 8 $ 800,000 $ 100,000 $ 97,000
Virginia Beach-Norfolk-Newport News, VA-NC 8 $ 1,380,000 $ 172,500 $ 161,750
Charlottesville, VA 7 $ 1,365,000 $ 195,000 $ 136,000
Cape Coral-Fort Myers, FL 6 $ 1,440,000 $ 240,000 $ 216,000
Knoxville, TN 6 $ 680,000 $ 113,333 $ 136,000
North Port-Sarasota-Bradenton, FL 6 $ 3,010,000 $ 501,666 $ 391,000
St. Petersburg-Clearwater-Largo, FL 6 $ 520,000 $ 86,666 $ 232,000
Allentown-Bethlehem-Easton, PA-NJ 5 $ 585,000 $ 117,000 $ 199,000
Hilton Head Island-Bluffton-Beaufort, SC 5 $ 985,000 $ 197,000 $ 101,000
Savannah, GA 5 $ 545,000 $ 109,000 $ 70,000
Albuquerque, NM 4 $ 1,010,000 $ 252,500 $ 137,000
Greenville-Anderson-Mauldin, SC 4 $ 440,000 $ 110,000 $ 103,000
Lakewood-New Brunswick, NJ 4 $ 1,040,000 $ 260,000 $ 127,000
Las Vegas-Henderson-Paradise, NV 4 $ 860,000 $ 215,000 $ 168,000
Lynchburg, VA 4 $ 410,000 $ 102,500 $ 352,000
Mobile, AL 4 $ 250,000 $ 62,500 $ 96,000
Montgomery County-Bucks County-Chester County, PA 4 $ 1,390,000 $ 347,500 $ 181,000
Newark, NJ-PA 4 $ 1,320,000 $ 330,000 $ 239,000
Oakland-Hayward-Berkeley, CA 4 $ 1,080,000 $ 270,000 $ 270,000
Roanoke, VA 4 $ 1,270,000 $ 317,500 $ 93,000
Sacramento--Roseville--Arden-Arcade, CA 4 $ 1,080,000 $ 270,000 $ 207,000
Winston-Salem, NC 4 $ 880,000 $ 220,000 $ 190,000
Augusta-Richmond County, GA-SC 3 $ 615,000 $ 205,000 $ 118,000
Birmingham-Hoover, AL 3 $ 355,000 $ 118,333 $ 68,000
Blacksburg-Christiansburg-Radford, VA 3 $ 1,215,000 $ 405,000 $ 190,000
Buffalo-Cheektowaga-Niagara Falls, NY 3 $ 355,000 $ 118,333 $ 78,000
Dallas-Plano-Irving, TX 3 $ 1,145,000 $ 381,666 $ 196,000
Durham-Chapel Hill, NC 3 $ 235,000 $ 78,333 $ 193,000
Elgin, IL 3 $ 105,000 $ 35,000 $ 201,000
Lake County-Kenosha County, IL-WI 3 $ 305,000 $ 101,666 $ 154,000
Lakeland-Winter Haven, FL 3 $ 215,000 $ 71,666 $ 58,000
Memphis, TN-MS-AR 3 $ 1,265,000 $ 421,666 $ 187,000
Morristown, TN 3 $ 475,000 $ 158,333 $ 153,000
Philadelphia, PA 3 $ 315,000 $ 105,000 $ 125,000
Pinehurst-Southern Pines, NC 3 $ 75,000 $ 25,000 $ 66,000
Wichita, KS 3 $ 405,000 $ 135,000 $ 87,000
York-Hanover, PA 3 $ 515,000 $ 171,666 $ 98,000
Anaheim-Santa Ana-Irvine, CA 2 $ 1,010,000 $ 505,000 $ 168,000
Asheville, NC 2 $ 210,000 $ 105,000 $ 89,000
Austin-Round Rock, TX 2 $ 630,000 $ 315,000 $ 65,000
Boise City, ID 2 $ 1,080,000 $ 540,000 $ 350,000
Boulder, CO 2 $ 330,000 $ 165,000 $ 200,000
Denver-Aurora-Lakewood, CO 2 $ 930,000 $ 465,000 $ 217,000
Fayetteville-Springdale-Rogers, AR-MO 2 $ 100,000 $ 50,000 $ 35,000
Gainesville, GA 2 $ 720,000 $ 360,000 $ 182,000
Gettysburg, PA 2 $ 130,000 $ 65,000 $ 58,000
Hartford-West Hartford-East Hartford, CT 2 $ 690,000 $ 345,000 $ 136,000
Homosassa Springs, FL 2 $ 610,000 $ 305,000 $ 360,000
Jacksonville, NC 2 $ 130,000 $ 65,000 $ 194,000
Los Angeles-Long Beach-Glendale, CA 2 $ 150,000 $ 75,000 $ 81,000
New York-Jersey City-White Plains, NY-NJ 2 $ 610,000 $ 305,000 $ 245,000
Omaha-Council Bluffs, NE-IA 2 $ 150,000 $ 75,000 $ 130,000
Pensacola-Ferry Pass-Brent, FL 2 $ 110,000 $ 55,000 $ 126,000
Phoenix-Mesa-Scottsdale, AZ 2 $ 160,000 $ 80,000 $ 177,000
Pittsburgh, PA 2 $ 60,000 $ 30,000 $ 69,000
Portland-South Portland, ME 2 $ 490,000 $ 245,000 $ 112,000
Portland-Vancouver-Hillsboro, OR-WA 2 $ 360,000 $ 180,000 $ 514,000
Prescott Valley-Prescott, AZ 2 $ 170,000 $ 85,000 $ 133,000
Providence-Warwick, RI-MA 2 $ 210,000 $ 105,000 $ 166,000
Riverside-San Bernardino-Ontario, CA 2 $ 310,000 $ 155,000 $ 132,000
Sandusky, OH 2 $ 270,000 $ 135,000 $ 233,000
Seattle-Bellevue-Everett, WA 2 $ 810,000 $ 405,000 $ 321,000
Spartanburg, SC 2 $ 180,000 $ 90,000 $ 88,000
Stockton-Lodi, CA 2 $ 210,000 $ 105,000 $ 176,000
Tacoma-Lakewood, WA 2 $ 210,000 $ 105,000 $ 155,000
Tuscaloosa, AL 2 $ 260,000 $ 130,000 $ 71,000
Warren-Troy-Farmington Hills, MI 2 $ 320,000 $ 160,000 $ 166,000
Albany-Schenectady-Troy, NY 1 $ 185,000 $ 185,000 $ 131,000
Ann Arbor, MI 1 $ 355,000 $ 355,000 $ 160,000
Atlantic City-Hammonton, NJ 1 $ 325,000 $ 325,000 $ 229,000
Bellingham, WA 1 $ 155,000 $ 155,000 $ 79,000
Boston, MA 1 $ 65,000 $ 65,000 $ 120,000
Bremerton-Silverdale, WA 1 $ 225,000 $ 225,000 $ 221,000
Bridgeport-Stamford-Norwalk, CT 1 $ 245,000 $ 245,000 $ 89,000
Cambridge-Newton-Framingham, MA 1 $ 205,000 $ 205,000 $ 564,000
Camden, NJ 1 $ 215,000 $ 215,000 $ 281,000
Clarksville, TN-KY 1 $ 255,000 $ 255,000 $ 54,000
Cleveland, TN 1 $ 285,000 $ 285,000 $ 130,000
Colorado Springs, CO 1 $ 75,000 $ 75,000 $ 95,000
Daphne-Fairhope-Foley, AL 1 $ 445,000 $ 445,000 $ 237,000
Dover, DE 1 $ 35,000 $ 35,000 $ 35,000
Erie, PA 1 $ 15,000 $ 15,000 $ 195,000
Fayetteville, NC 1 $ 205,000 $ 205,000 $ 152,000
Flint, MI 1 $ 75,000 $ 75,000 $ 110,000
Florence-Muscle Shoals, AL 1 $ 155,000 $ 155,000 $ 148,000
Gainesville, FL 1 $ 105,000 $ 105,000 $ 79,000
Greensboro-High Point, NC 1 $ 105,000 $ 105,000 $ 100,000
Harrisonburg, VA 1 $ 55,000 $ 55,000 $ 362,000
Hinesville, GA 1 $ 75,000 $ 75,000 $ 124,000
Houston-The Woodlands-Sugar Land, TX 1 $ 655,000 $ 655,000 $ 195,000
Huntington-Ashland, WV-KY-OH 1 $ 165,000 $ 165,000 $ 69,000
Jackson, MS 1 $ 75,000 $ 75,000 $ 179,000
Kankakee, IL 1 $ 45,000 $ 45,000 $ 120,000
Kansas City, MO-KS 1 $ 195,000 $ 195,000 $ 172,000
Kiryas Joel-Poughkeepsie-Newburgh, NY 1 $ 125,000 $ 125,000 $ 233,000
Lake County-Porter County-Jasper County, IN 1 $ 55,000 $ 55,000 $ 170,000
Lexington-Fayette, KY 1 $ 65,000 $ 65,000 $ 150,000
Medford, OR 1 $ 255,000 $ 255,000 $ 178,000
Milwaukee-Waukesha-West Allis, WI 1 $ 55,000 $ 55,000 $ 116,000
Naples-Immokalee-Marco Island, FL 1 $ 105,000 $ 105,000 $ 12,000
Norwich-New London, CT 1 $ 105,000 $ 105,000 $ 125,000
Ocala, FL 1 $ 315,000 $ 315,000 $ 177,000
Pittsfield, MA 1 $ 455,000 $ 455,000 $ 142,000
Punta Gorda, FL 1 $ 505,000 $ 505,000 $ 153,000
Salem, OR 1 $ 105,000 $ 105,000 $ 161,000
San Antonio-New Braunfels, TX 1 $ 285,000 $ 285,000 $ 78,000
San Diego-Carlsbad, CA 1 $ 945,000 $ 945,000 $ 370,000
San Jose-Sunnyvale-Santa Clara, CA 1 $ 205,000 $ 205,000 $ 75,000
Scranton--Wilkes-Barre--Hazleton, PA 1 $ 285,000 $ 285,000 $ 160,000
Slidell-Mandeville-Covington, LA 1 $ 255,000 $ 255,000 $ 124,000
South Bend-Mishawaka, IN-MI 1 $ 255,000 $ 255,000 $ 0
Spokane-Spokane Valley, WA 1 $ 725,000 $ 725,000 $ 242,000
St. Louis, MO-IL 1 $ 215,000 $ 215,000 $ 68,000
State College, PA 1 $ 155,000 $ 155,000 $ 98,000
Sumter, SC 1 $ 185,000 $ 185,000 $ 147,000
Syracuse, NY 1 $ 45,000 $ 45,000 $ 89,000
Tallahassee, FL 1 $ 45,000 $ 45,000 $ 64,000
Tulsa, OK 1 $ 465,000 $ 465,000 $ 229,000
Urban Honolulu, HI 1 $ 1,175,000 $ 1,175,000 $ 367,000
Vallejo-Fairfield, CA 1 $ 65,000 $ 65,000 $ 167,000
Waco, TX 1 $ 225,000 $ 225,000 $ 89,000
Warner Robins, GA 1 $ 45,000 $ 45,000 $ 92,000
Wildwood-The Villages, FL 1 $ 275,000 $ 275,000 $ 143,000
Wilmington, DE-MD-NJ 1 $ 65,000 $ 65,000 $ 180,000

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.
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