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Navy Federal Credit Union

Credit Union•Vienna, VAHQ•Direct•Reviews near you on Google

Navy Federal Credit Union's 31.9k closed loans and 66k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
Conventional · VA · Jumbo
Place
Strong
4/5
National · 49 mkts
Safe Rate Awards
VA Champion
VA
Champion
Purchase Champion
Purchase
Champion
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 49.30 basis points below market average
  • Lower than average lender fees
  • High volume lender with significant market experience
  • Particularly strong in Conventional and VA and Jumbo loans
  • Nationwide availability with consistent service

Explore another lender or local market

Report Card

Navy Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 49.3 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
VA
Exceptional
Top 5% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 10% of lenders
Refinance
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Exceptional
Pricing
Exceptional
Pull Through
Sound
Volume15,908
Mix49.9%
Spread
-0.336%Below
Fees
$937Fees
VA Loans
Overall
Exceptional
Product
Exceptional
Pricing
Exceptional
Pull Through
Sound
Volume15,368
Mix48.2%
Spread
-0.655%Below
Fees
$557Fees
Jumbo Loans
Overall
Strong
Product
Exceptional
Pricing
Exceptional
Pull Through
Sound
Volume611
Mix1.9%
Spread
-0.825%Below
Fees
$283Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Exceptional
Product
Exceptional
Pricing
Exceptional
Pull Through
Sound
Volume28,569
Mix89.6%
Spread
-0.491%Below
Fees
$754Fees
Refinance
Overall
Strong
Product
Exceptional
Pricing
Exceptional
Pull Through
Sound
Volume3,318
Mix10.4%
Spread
-0.511%Below
Fees
$710Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
31,887
Applications
66,330
Volume
$12 billion
Pricing & Closing
Avg Rate Spread
-0.493%
vs. market APOR
Avg Net Fees
$749
Origination − Credits
Pullthrough Rate
48.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$383,065
Avg Borrower Income
$147,086
Avg Property Value
$462,114

Geographic Coverage

Geographic Performance

Metro Areas
49
markets with activity
States Served
51
Includes Washington, DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

51Nationwide · all 50 states and DC
51 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© DXR · CC BY-SA 4.0
Jacksonville, NCMetro
Volume 484Mix 1.52% of portfolio
100/100
Exceptional
2© Greyfiveys · CC BY-SA 4.0
Virginia Beach, VA-NCMetro
Volume 1,147Mix 3.60% of portfolio
92/100
Exceptional
3© Ebyabe · CC BY-SA 3.0
Pensacola, FLMetro
Volume 394Mix 1.24% of portfolio
90/100
Exceptional
4© Billy Hathorn · CC BY-SA 3.0
Arlington, VA-WVMetro
Volume 1,099Mix 3.45% of portfolio
89/100
Exceptional
5© Ad Meskens · CC BY-SA 3.0
Washington, DC, DC-MDMetro
Volume 460Mix 1.44% of portfolio
87/100
Exceptional
6© DXR · CC BY-SA 4.0
Jacksonville, FLMetro
Volume 646Mix 2.03% of portfolio
85/100
Exceptional
7© Brandonrush · CC BY-SA 3.0
Fayetteville, NCMetro
Volume 269Mix 0.84% of portfolio
85/100
Exceptional
8© Andrew Parlette from Elkridge,MD, US · CC BY 2.0
Baltimore, MDMetro
Volume 685Mix 2.15% of portfolio
83/100
Exceptional
9© c_live_lee · CC0
Augusta, GA-SCMetro
Volume 207Mix 0.65% of portfolio
83/100
Exceptional
10© Preservation Maryland · CC BY-SA 2.0
Frederick, MDMetro
Volume 243Mix 0.76% of portfolio
82/100
Exceptional
Showing 10 of 49 metro areas

Top States by Place Specialization Score

Virginia
Virginia
1
VirginiaState
Volume 2,985Mix 9.36% of portfolio
94/100
Exceptional
Maryland
Maryland
2
MarylandState
Volume 1,512Mix 4.74% of portfolio
86/100
Exceptional
South Carolina
South Carolina
3
South CarolinaState
Volume 1,017Mix 3.19% of portfolio
85/100
Exceptional
North Carolina
North Carolina
4
North CarolinaState
Volume 2,526Mix 7.92% of portfolio
84/100
Exceptional
Georgia
Georgia
5
GeorgiaState
Volume 1,780Mix 5.58% of portfolio
84/100
Exceptional
Florida
Florida
6
FloridaState
Volume 3,310Mix 10.38% of portfolio
83/100
Exceptional
Texas
Texas
7
TexasState
Volume 2,420Mix 7.59% of portfolio
82/100
Exceptional
Alabama
Alabama
8
AlabamaState
Volume 655Mix 2.05% of portfolio
81/100
Exceptional
Washington
Washington
9
WashingtonState
Volume 788Mix 2.47% of portfolio
80/100
Exceptional
Pennsylvania
Pennsylvania
10
PennsylvaniaState
Volume 990Mix 3.10% of portfolio
79/100
Strong
Showing 10 of 51 states

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.