What loan types does Navigator CU offer?

Navigator CU offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 64.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Navigator CU?

Navigator CU is a Credit Union headquartered in Moss Point, MS.

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Navigator CU

Credit Union•Moss Point, MSHQ•Direct•Reviews near you on Google

Navigator CU has 69 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Regional · 2 mkts

Summary

What They Do Well

Offers rates 6.60 basis points below market average

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Navigator CU performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 6.6 bps below market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Strong	Sound	69	100.0%	-0.066%Below	$2,260Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume69

Mix100.0%

Spread

-0.066%Below

Fees

$2,260Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Sound	42	60.9%	-0.089%Below	$2,577Fees
Refinance	Sound	Sound	Strong	Acceptable	27	39.1%	-0.024%Below	$1,657Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume42

Mix60.9%

Spread

-0.089%Below

Fees

$2,577Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Acceptable

Volume27

Mix39.1%

Spread

-0.024%Below

Fees

$1,657Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

124

Volume

$12 million

Pricing & Closing

Avg Rate Spread

-0.066%

vs. market APOR

Avg Net Fees

$2,260

Origination − Credits

Pullthrough Rate

55.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$184,565

Avg Borrower Income

$126,565

Avg Property Value

$261,957

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

South4

ALFLLAMS

Top Metro Areas by Place Specialization Score

Mobile, ALMetro

Volume 26Mix 37.68% of portfolio

67/100

Strong

Gulfport, MSMetro

Volume 28Mix 40.58% of portfolio

66/100

Strong

Top States by Place Specialization Score

AlabamaState

Volume 34Mix 49.28% of portfolio

61/100

Strong

MississippiState

Volume 33Mix 47.83% of portfolio

60/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.