Navy Federal Credit Union received 179,597 applications in 2025 and made
80,547 mortgages, in 2,726 counties across 51 states.
The median rate its borrowers got was 7.650% on a median loan of $165,000.
Of 122,534 decisions, 40,360 were denials — 32.9%, most often for debt-to-income ratio.
Legal Entity Identifier
5493003GQDUH26DNNH17
Applications received
179,597
Mortgages made
80,547
Denied
40,360
Approved, not taken up
1,627
Withdrawn or incomplete
57,063
Loans bought from other lenders
545
Median rate spread over the prime offer rate
0.55 points
FDIC-insured bank
This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name.
By loan purpose
Purpose
Mortgages made
Median rate
Median loan
Denied
Home purchase
30,361
6.125%
$335,000
12.9%
Refinancing
3,142
5.750%
$335,000
38.2%
Cash-out refinancing
9,749
7.875%
$175,000
32.5%
Other purposes
37,295
8.750%
$75,000
43.1%
Where Navy Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
When Navy Federal Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are
not a lender, a broker or a lead generator: this is a notification about published data, not a sales call.
Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act
loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application
a covered lender received, as the lender reported it. A median rate is what borrowers got, not what
you will be offered — it depends on the loan, the property, your credit and the market on the day,
and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.