# NAVIGANT CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/navigant-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


NAVIGANT CREDIT UNION is a credit union, headquartered in SMITHFIELD, RI, serving borrowers across 8 states, with 665 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 12% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300YIBRM1ZYA6GT07
- **Headquarters:** SMITHFIELD, RI
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** CT, FL, MA, ME, NH, RI, SC, VT
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 88/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.351%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $789
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 665
- **Dollar Volume:** $278 million
- **Applications Received:** 879
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $417,526
- **Average Borrower Income:** $167,284
- **Average Property Value:** $578,759

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 71/100 | 624 | -0.332% | $795 | Strong 😀 |
| Jumbo | 75/100 | 41 | -0.984% | $590 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 502 loans, Score: 70/100 (Strong)
- Refinance: 122 loans, Score: 69/100 (Strong)

**Jumbo:**
- Purchase: 37 loans, Score: 75/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 68/100 | 539 | $238M | -0.256% | Strong 😀 |
| Refinance | 67/100 | 126 | $40M | -0.745% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| RI | 561 | 5.23% | 100/100 |
| MA | 57 | 0.09% | 58/100 |
| CT | 23 | 0.07% | 49/100 |
| FL | 16 | 0.01% | 38/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Providence | RI-MA | 593 | 100/100 |
| Non |  | 22 | 29/100 |
| Boston, MA | MA | 12 | 43/100 |
| Worcester, MA | MA | 10 | 41/100 |

## Where This Lender Ranks

NAVIGANT CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Providence
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders)
- 🥇 **#1** in Providence Credit Unions
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Providence for Conventional Loans
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Providence for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Providence for Jumbo Loans
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Providence for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Rhode Island
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders)
- 🥇 **#1** in Rhode Island Credit Unions
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Rhode Island for Conventional Loans
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Rhode Island for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Rhode Island for Jumbo Loans
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does NAVIGANT CREDIT UNION offer?

NAVIGANT CREDIT UNION offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does NAVIGANT CREDIT UNION offer mortgages?

NAVIGANT CREDIT UNION offers mortgages in 8 states: CT, FL, MA, ME, NH, RI, SC, VT.

### How competitive are NAVIGANT CREDIT UNION's mortgage rates?

NAVIGANT CREDIT UNION has a pricing score of 88/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.351% below market average.

### What type of lender is NAVIGANT CREDIT UNION?

NAVIGANT CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in SMITHFIELD, RI.

### What is NAVIGANT CREDIT UNION's loan approval success rate?

NAVIGANT CREDIT UNION has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/navigant-credit-union

### How to Cite

> "NAVIGANT CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/navigant-credit-union

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