Northwest Federal Credit Union in Florida vs the state
28.6%Denial rate+7.51 pts vs state
35.9%Decision denial rate+8.66 pts vs state
46.4%Origination rate-6.26 pts vs state
7.00%Median rate+0.38 pts vs state
0.46Rate spread (pts)+0.19 pts vs state
$136kMedian applicant income
91Loans originated
56Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 376 | 200 | 33.8% | 7.00% | #278 |
| 2024 | 240 | 111 | 37.1% | 7.63% | #353 |
| 2025 | 196 | 91 | 28.6% | 7.00% | #369 |
What Northwest Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Northwest Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 27 | 11 | 5 | 18.5% |
| Broward County | 22 | 12 | 6 | 27.3% |
| Miami-Dade County | 18 | 7 | 8 | 44.4% |
| Seminole County | 14 | 3 | 5 | 35.7% |
| Orange County | 10 | 5 | 5 | 50.0% |
| Brevard County | 9 | 6 | 1 | 11.1% |
| St. Lucie County | 9 | 3 | 4 | 44.4% |
| Osceola County | 7 | 3 | 3 | 42.9% |
| Volusia County | 7 | 3 | 4 | 57.1% |
| Lake County | 7 | 3 | 4 | 57.1% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 196 applications in 2025, of which 91 were originated and 56 denied.
28.6% of all applications, or 35.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Northwest Federal Credit Union originated in Florida in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Northwest Federal Credit Union's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology