# NAVIGATOR CU

> **Canonical URL:** https://saferate.com/lenders/navigator-cu


> **📋 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


NAVIGATOR CU is a credit union, headquartered in Moss Point, MS, serving borrowers across 4 states, with 69 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 35% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 71% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493006OZEG7DK77IP05
- **Headquarters:** Moss Point, MS
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AL, FL, LA, MS
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.066%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,260
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 69
- **Dollar Volume:** $13 million
- **Applications Received:** 124
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $184,565
- **Average Borrower Income:** $126,565
- **Average Property Value:** $261,957

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 39/100 | 69 | -0.066% | $2,260 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 42 loans, Score: 35/100 (Acceptable)
- Refinance: 27 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 32/100 | 42 | $9M | -0.089% | Acceptable 🙂 |
| Refinance | 45/100 | 27 | $3M | -0.024% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 34 | 0.06% | 61/100 |
| MS | 33 | 0.13% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Gulfport | MS | 28 | 66/100 |
| Mobile, AL | AL | 26 | 67/100 |

## Where This Lender Ranks

NAVIGATOR CU appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Gulfport for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/gulfport/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Mobile, AL Credit Unions
  - [View Full Rankings](https://saferate.com/mobile-al/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Mobile, AL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/mobile-al/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does NAVIGATOR CU offer?

NAVIGATOR CU offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does NAVIGATOR CU offer mortgages?

NAVIGATOR CU offers mortgages in 4 states: AL, FL, LA, MS.

### How competitive are NAVIGATOR CU's mortgage rates?

NAVIGATOR CU has a pricing score of 65/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.066% below market average.

### What type of lender is NAVIGATOR CU?

NAVIGATOR CU is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Moss Point, MS.

### What is NAVIGATOR CU's loan approval success rate?

NAVIGATOR CU has a pull-through score of 29/100 (Acceptable). 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/navigator-cu

### How to Cite

> "NAVIGATOR CU Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/navigator-cu

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