# NAVY FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/navy-federal-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


NAVY FEDERAL CREDIT UNION is a credit union, headquartered in Vienna, VA, serving borrowers nationwide, with 31,887 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 7% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 40% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493003GQDUH26DNNH17
- **Headquarters:** Vienna, VA
- **Geographic Reach:** National
- **States Served:** 51
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 93/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 60/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.493%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $749
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 31,887
- **Dollar Volume:** $12.2 billion
- **Applications Received:** 66,330
- **Market Share:** 90.00%

## Typical Borrower Profile

- **Average Loan Amount:** $383,065
- **Average Borrower Income:** $147,086
- **Average Property Value:** $462,114

## Safe Rate Awards 🏆

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

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 90/100 | 15,908 | -0.336% | $937 | Exceptional 🤩 |
| VA | 96/100 | 15,368 | -0.655% | $557 | Exceptional 🤩 |
| Jumbo | 88/100 | 611 | -0.825% | $283 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 13,897 loans, Score: 90/100 (Exceptional)
- Refinance: 2,011 loans, Score: 84/100 (Exceptional)

**VA:**
- Purchase: 14,132 loans, Score: 96/100 (Exceptional)
- Refinance: 1,236 loans, Score: 91/100 (Exceptional)

**Jumbo:**
- Purchase: 540 loans, Score: 88/100 (Exceptional)
- Refinance: 71 loans, Score: 84/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 93/100 | 28,569 | $11.0B | -0.491% | Exceptional 🤩 |
| Refinance | 84/100 | 3,318 | $1.2B | -0.511% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 3,310 | 1.13% | 83/100 |
| VA | 2,985 | 2.77% | 94/100 |
| NC | 2,526 | 1.71% | 84/100 |
| TX | 2,420 | 0.69% | 82/100 |
| GA | 1,780 | 1.29% | 84/100 |
| CA | 1,546 | 0.54% | 75/100 |
| MD | 1,512 | 2.15% | 86/100 |
| SC | 1,017 | 1.27% | 85/100 |
| PA | 990 | 0.82% | 79/100 |
| TN | 845 | 0.93% | 79/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 3,938 | 85/100 |
| Virginia Beach | VA-NC | 1,147 | 92/100 |
| Arlington | VA-WV | 1,099 | 89/100 |
| Baltimore | MD | 685 | 83/100 |
| Atlanta | GA | 651 | 79/100 |
| Jacksonville, FL | FL | 646 | 85/100 |
| Houston | TX | 486 | 73/100 |
| Jacksonville, NC | NC | 484 | 100/100 |
| Washington, DC | DC-MD | 460 | 87/100 |
| Tampa, FL | FL | 398 | 76/100 |
| Dallas | TX | 397 | 73/100 |
| Pensacola | FL | 394 | 90/100 |
| Phoenix | AZ | 386 | 70/100 |
| San Diego | CA | 376 | 75/100 |
| Charlotte | NC-SC | 346 | 75/100 |

## Where This Lender Ranks

NAVY FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Florida for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/credit-unions/va-loans)
- 🥇 **#1** in Virginia for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/credit-unions/va-loans)
- 🥇 **#1** in Texas for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Georgia Credit Unions
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Georgia for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Maryland for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Virginia Beach for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/virginia-beach/best-mortgage-lenders/credit-unions/va-loans)
- 🥇 **#1** in Arlington Credit Unions
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Arlington for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Arlington for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/credit-unions/va-loans)
- 🥇 **#1** in Tennessee for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/credit-unions/va-loans)
- 🥇 **#1** in Tennessee for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Baltimore for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/baltimore/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Baltimore for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/baltimore/best-mortgage-lenders/credit-unions/va-loans)
- 🥇 **#1** in Arizona Credit Unions
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Arizona for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Arizona for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Alabama for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Atlanta for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Atlanta for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/credit-unions/va-loans)

## Frequently Asked Questions

### What loan types does NAVY FEDERAL CREDIT UNION offer?

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

### Where does NAVY FEDERAL CREDIT UNION offer mortgages?

NAVY FEDERAL CREDIT UNION is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are NAVY FEDERAL CREDIT UNION's mortgage rates?

NAVY FEDERAL CREDIT UNION has a pricing score of 93/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.493% below market average.

### What type of lender is NAVY FEDERAL CREDIT UNION?

NAVY FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Vienna, VA.

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

NAVY FEDERAL CREDIT UNION has a pull-through score of 60/100 (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/navy-federal-credit-union

### How to Cite

> "NAVY FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/navy-federal-credit-union

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