Northwest Federal Credit Union in Pennsylvania vs the state
15.4%Denial rate-2.91 pts vs state
16.7%Decision denial rate-5.54 pts vs state
76.9%Origination rate+15.96 pts vs state
7.06%Median rate+0.44 pts vs state
1.01Rate spread (pts)+0.78 pts vs state
$100kMedian applicant income
20Loans originated
4Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 27 | 16 | 22.2% | 7.06% | #560 |
| 2024 | 21 | 18 | 4.8% | 7.19% | #603 |
| 2025 | 26 | 20 | 15.4% | 7.06% | #569 |
What Northwest Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Northwest Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 3 | 2 | 0 | 0.0% |
| Montgomery County | 3 | 2 | 1 | 33.3% |
| Delaware County | 2 | 1 | 0 | 0.0% |
| Lehigh County | 2 | 2 | 0 | 0.0% |
| Huntingdon County | 2 | 1 | 1 | 50.0% |
| Adams County | 2 | 1 | 1 | 50.0% |
| Northampton County | 1 | 0 | 1 | 100.0% |
| Schuylkill County | 1 | 1 | 0 | 0.0% |
| Philadelphia County | 1 | 1 | 0 | 0.0% |
| Erie County | 1 | 1 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 26 applications in 2025, of which 20 were originated and 4 denied.
15.4% of all applications, or 16.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Northwest Federal Credit Union originated in Pennsylvania in 2025 was 7.06%, against a statewide median of 6.63%.
About this data. Figures are Northwest Federal Credit Union's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology