Northwest Federal Credit Union in Georgia vs the state
25.6%Denial rate+6.36 pts vs state
31.4%Decision denial rate+6.36 pts vs state
48.8%Origination rate-5.25 pts vs state
7.00%Median rate+0.38 pts vs state
0.57Rate spread (pts)+0.30 pts vs state
$126kMedian applicant income
21Loans originated
11Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 92 | 54 | 18.5% | 7.25% | #330 |
| 2024 | 53 | 25 | 24.5% | 7.50% | #427 |
| 2025 | 43 | 21 | 25.6% | 7.00% | #454 |
What Northwest Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Northwest Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Forsyth County | 10 | 7 | 0 | 0.0% |
| Cobb County | 5 | 0 | 4 | 80.0% |
| Chatham County | 4 | 1 | 1 | 25.0% |
| Fulton County | 4 | 2 | 0 | 0.0% |
| Cherokee County | 3 | 1 | 0 | 0.0% |
| Gwinnett County | 3 | 1 | 1 | 33.3% |
| Hall County | 2 | 2 | 0 | 0.0% |
| Richmond County | 2 | 2 | 0 | 0.0% |
| DeKalb County | 2 | 2 | 0 | 0.0% |
| Wayne County | 1 | 0 | 1 | 100.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 43 applications in 2025, of which 21 were originated and 11 denied.
25.6% of all applications, or 31.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Northwest Federal Credit Union originated in Georgia 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 Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology