Lender in California · HMDA 2025
Navy Federal Credit Union mortgages in California
Navy Federal Credit Union's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Navy Federal Credit Union originated 1,588 owner-occupied single-family loans in California from 2,055 completed applications.
Its median conventional purchase loan costs were $5,410 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.625% (California: 6.625%).
Loans in CA
1,588
of 2,055 applications
Denial rate
10.4%
Purchase · CA 8.9%
Rate spread
−0.04 pts
Conv. · CA +0.09 pts
Loan amount
$575,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,366 | 1,216 | 10.4% | 6.625% | −0.04 pts | $5,410 | $575,000 |
| Refinance | 284 | 180 | 34.2% | 6.125% | −0.41 pts | $2,640 | $615,000 |
| Cash-out refinance | 405 | 192 | 51.4% | 6.500% | −0.25 pts | $2,040 | $445,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Navy Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Plumas County | 8 | 3 | 1.6% |
| Inyo County | 9 | 2 | 1.8% |
| San Diego County | 15 | 378 | 1.4% |
| Kings County | 15 | 27 | 1.7% |
| Colusa County | 19 | 2 | 1.3% |
| Imperial County | 20 | 10 | 0.9% |
| Humboldt County | 20 | 7 | 0.8% |
| Mono County | 21 | 1 | 0.9% |
| Riverside County | 22 | 263 | 1.0% |
| Monterey County | 22 | 24 | 1.1% |
| Del Norte County | 22 | 1 | 0.6% |
| Kern County | 23 | 91 | 1.0% |
| Nevada County | 24 | 9 | 0.7% |
- Navy Federal Credit Union nationwide
- California mortgage market
- Navy Federal Credit Union in Florida
- Navy Federal Credit Union in Virginia
- Navy Federal Credit Union in Texas
- Navy Federal Credit Union in North Carolina
- Navy Federal Credit Union in Georgia
- Navy Federal Credit Union in Maryland
- Navy Federal Credit Union in South Carolina
- Navy Federal Credit Union in Pennsylvania
- Navy Federal Credit Union in Ohio
- Navy Federal Credit Union in Tennessee
- Navy Federal Credit Union in Washington
- Navy Federal Credit Union in Alabama
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology