Northwest Federal Credit Union in Maryland vs the state
22.2%Denial rate+3.36 pts vs state
26.4%Decision denial rate+2.25 pts vs state
57.7%Origination rate+2.02 pts vs state
7.00%Median rate+0.38 pts vs state
0.45Rate spread (pts)+0.20 pts vs state
$170kMedian applicant income
112Loans originated
43Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 253 | 144 | 23.3% | 7.25% | #118 |
| 2024 | 229 | 120 | 24.0% | 7.63% | #138 |
| 2025 | 194 | 112 | 22.2% | 7.00% | #164 |
What Northwest Federal Credit Union lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Northwest Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 66 | 39 | 17 | 25.8% |
| Prince George's County | 46 | 21 | 12 | 26.1% |
| Frederick County | 25 | 16 | 3 | 12.0% |
| Charles County | 13 | 9 | 4 | 30.8% |
| Anne Arundel County | 11 | 7 | 2 | 18.2% |
| Calvert County | 8 | 4 | 1 | 12.5% |
| Howard County | 7 | 4 | 1 | 14.3% |
| Carroll County | 3 | 2 | 1 | 33.3% |
| Baltimore County | 3 | 2 | 1 | 33.3% |
| Washington County | 3 | 3 | 0 | 0.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 194 applications in 2025, of which 112 were originated and 43 denied.
22.2% of all applications, or 26.4% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Northwest Federal Credit Union originated in Maryland 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 Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology