Navigant Credit Union mortgage approval rate & lending review
Navigant Credit Union decided 5,091 mortgage applications and funded 4,056 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Navigant Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Navigant Credit Union at a glance
Approval is 7.5 points above the 75.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 1,413 / 1,460 | 98% | $365K | 1,378 |
| Home improvement loans | 70% | 1,123 / 1,597 | 96% | $65K | 1,083 |
| Cash-out refinance | 86% | 272 / 317 | 93% | $275K | 254 |
| Refinance | 81% | 1,210 / 1,499 | 97% | $125K | 1,168 |
| Investment property purchase | 90% | 118 / 131 | 97% | $315K | 114 |
| Investment refinance | 82% | 27 / 33 | 100% | $205K | 27 |
| Investment home improvement | 50% | 15 / 30 | 100% | $115K | 15 |
Navigant Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Rhode Island | 82% | $125K | 4,564 | 3,608 |
| Massachusetts | 88% | $285K | 412 | 348 |
| Florida | 94% | $225K | 63 | 57 |
| Connecticut | 81% | $145K | 32 | 26 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Navigant Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Providence County, RI | Mortgage lenders | 96% | 942 | 888 |
| Providence County, RI | Refinance | 80% | 1,102 | 851 |
| Providence County, RI | Home improvement loans | 68% | 1,191 | 782 |
| Kent County, RI | Mortgage lenders | 97% | 195 | 182 |
| Providence County, RI | Cash-out refinance | 90% | 207 | 173 |
| Kent County, RI | Home improvement loans | 76% | 206 | 151 |
| Kent County, RI | Refinance | 82% | 163 | 128 |
| Washington County, RI | Mortgage lenders | 98% | 122 | 118 |
| Washington County, RI | Refinance | 82% | 103 | 82 |
| Bristol County, MA | Mortgage lenders | 99% | 80 | 77 |
| Washington County, RI | Home improvement loans | 76% | 84 | 63 |
| Bristol County, MA | Refinance | 88% | 75 | 62 |
The county markets where Navigant Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Navigant Credit Union
What is Navigant Credit Union's mortgage approval rate?
Navigant Credit Union approved 82.4% of the 5,091 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.5 points above the 75.0% national rate for the same mix of loan types.
How often do borrowers take the loan Navigant Credit Union offers?
Borrowers accepted 97% of the loans Navigant Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Navigant Credit Union make?
The typical home improvement loan loan Navigant Credit Union made was $65K; across all loan types its typical loan ran from $65K to $365K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Navigant Credit Union lend?
Navigant Credit Union decided applications in 10 of the states Fat Boy Data covers, most of them in Rhode Island, Massachusetts and Florida.
Can I apply to Navigant Credit Union directly?
Yes. Navigant Credit Union is a bank or credit union with 25 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Navigant Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Navigant Credit Union treats applications, then get a rate quote from the lender.