Lender in Washington · HMDA 2025
Navy Federal Credit Union mortgages in Washington
Navy Federal Credit Union's 2025 home-purchase and refinance lending in Washington, compared with all lenders in the state.
Navy Federal Credit Union originated 910 owner-occupied single-family loans in Washington from 1,050 completed applications, making it the state's #25 lender by volume.
Its median conventional purchase loan costs were $3,660 versus $6,530 for all Washington lenders, at a median 30-year fixed rate of 6.50% (Washington: 6.625%).
Loans in WA
910
of 1,050 applications
Denial rate
6.2%
Purchase · WA 5.9%
Rate spread
−0.05 pts
Conv. · WA +0.10 pts
Loan amount
$495,000
Purchase · WA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 760 | 710 | 6.2% | 6.500% | −0.05 pts | $3,660 | $495,000 |
| Refinance | 116 | 82 | 26.7% | 6.125% | −0.30 pts | $1,890 | $495,000 |
| Cash-out refinance | 174 | 118 | 30.5% | 6.500% | −0.12 pts | $1,420 | $405,000 |
*Conventional loans only; medians with at least 20 loans.
Washington counties where Navy Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Kitsap County | 6 | 177 | 4.2% |
| Island County | 7 | 46 | 3.6% |
| Mason County | 8 | 25 | 2.5% |
| Ferry County | 8 | 1 | 2.6% |
| Clallam County | 13 | 16 | 1.7% |
| Wahkiakum County | 13 | 1 | 1.7% |
| Klickitat County | 15 | 4 | 1.8% |
| Columbia County | 16 | 1 | 1.8% |
| Thurston County | 18 | 57 | 1.3% |
| Walla Walla County | 18 | 6 | 0.9% |
| Pierce County | 19 | 140 | 1.1% |
| Jefferson County | 19 | 4 | 1.2% |
| Whitman County | 19 | 4 | 0.9% |
| Skagit County | 20 | 19 | 1.3% |
| Skamania County | 20 | 2 | 1.3% |
| Grays Harbor County | 23 | 12 | 1.1% |
- Navy Federal Credit Union nationwide
- Washington 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 California
- 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 Alabama
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology