Navy Federal Credit Union: 2025 mortgage rates, costs & approvals
How Navy Federal Credit Union priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Navy Federal Credit Union · LEI 5493003GQDUH26DNNH17
In 2025, Navy Federal Credit Union originated 34,596 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 51 states — 19th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 19 basis points below the national median. Median conventional loan costs were $3,950, 29% lower than the national median ($5,570).
It denied 10.4% of completed home-purchase applications (all lenders: 8.5%).
How Navy Federal Credit Union priced home-purchase loans
| Purchase loans, 2025 | Navy Federal Credit Union | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | 6.000% | 6.125% |
| 15-year fixed rate · conventional | 5.625% | 5.875% |
| Rate spread vs. APOR · conventional | −0.06 pts | +0.13 pts |
| Total loan costs · conventional | $3,950 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | $4,790 | $6,490 |
| Origination charges (all types) | $0 | $1,860 |
| Borrowers paying discount points | 11.6% | 51.3% |
| Points paid, when paid (% of loan) | 1.01% | 0.87% |
| Borrowers receiving lender credits | 16.3% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Navy Federal Credit Union denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Navy Federal Credit Union lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Florida | 3,680 | 4,580 | 11.5% | 6.625% | $4,270 |
| Virginia | 3,264 | 3,847 | 7.9% | 6.625% | $3,670 |
| Texas | 2,689 | 3,555 | 12.7% | 6.625% | $4,870 |
| North Carolina | 2,559 | 2,967 | 7.3% | 6.625% | $2,990 |
| Georgia | 1,835 | 2,469 | 13.5% | 6.750% | $4,250 |
| Maryland | 1,659 | 2,090 | 10.9% | 6.500% | $4,130 |
| California | 1,588 | 2,055 | 10.4% | 6.625% | $5,410 |
| South Carolina | 1,082 | 1,325 | 10.3% | 6.625% | $3,370 |
| Pennsylvania | 1,016 | 1,243 | 10.9% | 6.625% | $4,080 |
| Ohio | 959 | 1,135 | 10.5% | 6.625% | $3,170 |
| Tennessee | 933 | 1,112 | 8.9% | 6.625% | $3,710 |
| Washington | 910 | 1,050 | 6.2% | 6.500% | $3,660 |
| Alabama | 828 | 993 | 9.5% | 6.750% | $2,680 |
| Illinois | 774 | 1,017 | 14.2% | 6.750% | $4,850 |
| New York | 692 | 876 | 13.7% | 6.625% | $4,720 |
| Arizona | 678 | 835 | 11.0% | 6.625% | $4,390 |
| Colorado | 641 | 747 | 7.0% | 6.500% | $2,330 |
| Missouri | 629 | 752 | 10.5% | 6.750% | $2,710 |
| Michigan | 567 | 690 | 9.6% | 6.750% | $2,670 |
| New Jersey | 526 | 679 | 9.3% | 6.625% | $4,660 |
| Louisiana | 515 | 647 | 11.4% | 6.750% | $3,750 |
| Indiana | 497 | 600 | 12.0% | 6.625% | $2,020 |
| Oklahoma | 482 | 571 | 10.1% | 6.750% | $3,190 |
| Nevada | 431 | 532 | 11.6% | 6.500% | $4,060 |
| Connecticut | 364 | 433 | 8.5% | 6.625% | $3,690 |
| Kentucky | 360 | 433 | 9.9% | 6.625% | $2,700 |
| Mississippi | 357 | 470 | 15.6% | 6.750% | $3,300 |
| Wisconsin | 356 | 407 | 7.2% | 6.625% | $2,230 |
| Kansas | 308 | 357 | 9.1% | 6.625% | $2,170 |
| Arkansas | 299 | 352 | 9.2% | 6.750% | $2,580 |
| Massachusetts | 297 | 354 | 6.4% | 6.625% | $3,570 |
| New Mexico | 281 | 326 | 6.0% | 6.625% | $2,980 |
| West Virginia | 263 | 313 | 12.0% | 6.750% | $3,290 |
| Minnesota | 262 | 303 | 8.4% | 6.500% | $2,890 |
| Oregon | 253 | 307 | 10.1% | 6.500% | $4,190 |
| Nebraska | 183 | 211 | 10.7% | 6.625% | $1,980 |
| New Hampshire | 157 | 180 | 6.8% | 6.500% | $2,910 |
| Maine | 137 | 165 | 8.6% | 6.750% | $2,800 |
| Iowa | 135 | 165 | 12.1% | 6.750% | $2,120 |
| Idaho | 132 | 152 | 8.8% | 6.375% | $4,570 |
| Rhode Island | 132 | 152 | 3.5% | 6.625% | $3,140 |
| District of Columbia | 126 | 170 | 15.5% | 6.500% | $5,500 |
| Utah | 116 | 144 | 9.3% | 6.375% | $2,890 |
| Delaware | 111 | 135 | 9.7% | 6.500% | $3,940 |
| Alaska | 106 | 128 | 14.4% | 6.750% | $3,920 |
| Hawaii | 103 | 139 | 23.1% | 6.750% | $5,600 |
| Montana | 82 | 98 | 9.5% | — | $3,440 |
| Wyoming | 70 | 79 | 7.7% | — | — |
| South Dakota | 60 | 66 | 7.8% | — | — |
| North Dakota | 58 | 64 | 1.8% | — | — |
| Vermont | 54 | 61 | 8.7% | 6.750% | $3,590 |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Navy Federal Credit Union's page for that state.
Counties where Navy Federal Credit Union is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Stonewall County, TX | 1 | 1 | 33.3% |
| Wrangell City and Borough, AK | 1 | 1 | 20.0% |
| Roger Mills County, OK | 2 | 1 | 12.5% |
| Wichita County, KS | 2 | 1 | 10.0% |
| Plaquemines Parish, LA | 2 | 16 | 9.3% |
| Rawlins County, KS | 8 | 1 | 9.1% |
| Escambia County, FL | 1 | 408 | 8.9% |
| Onslow County, NC | 2 | 455 | 8.7% |
| Smith County, KS | 3 | 1 | 8.3% |
| Harmon County, OK | 3 | 1 | 8.3% |
| Faulk County, SD | 5 | 1 | 8.3% |
| Camden County, NC | 2 | 22 | 8.0% |
| Brown County, NE | 2 | 1 | 7.7% |
| Tallahatchie County, MS | 4 | 3 | 7.5% |
| Jefferson County, MS | 5 | 1 | 7.1% |
Check Navy Federal Credit Union yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493003GQDUH26DNNH17.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Navy Federal Credit Union with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology