Navigator Cu mortgage approval rate & lending review
Navigator Cu decided 370 mortgage applications and funded 293 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Navigator Cu reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Navigator Cu at a glance
Approval is 3.8 points above the 76.8% 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% | 105 / 108 | 97% | $235K | 102 |
| Cash-out refinance | 72% | 102 / 141 | 98% | $75K | 100 |
| Refinance | 72% | 63 / 88 | 100% | $75K | 63 |
Navigator Cu lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Mississippi | 83% | $75K | 195 | 158 |
| Alabama | 78% | $85K | 173 | 133 |
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 Navigator Cu lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jackson County, MS | Mortgage lenders | 100% | 49 | 48 |
| Jackson County, MS | Cash-out refinance | 80% | 60 | 46 |
| Mobile County, AL | Cash-out refinance | 62% | 60 | 37 |
| Jackson County, MS | Refinance | 70% | 43 | 30 |
| Mobile County, AL | Refinance | 68% | 31 | 21 |
The county markets where Navigator Cu made the most loans. Each link opens that market with every lender ranked.
Questions about Navigator Cu
What is Navigator Cu's mortgage approval rate?
Navigator Cu approved 80.5% of the 370 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.8 points above the 76.8% national rate for the same mix of loan types.
How often do borrowers take the loan Navigator Cu offers?
Borrowers accepted 98% of the loans Navigator Cu approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Navigator Cu make?
The typical cash-out refinance loan Navigator Cu made was $75K; across all loan types its typical loan ran from $75K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Navigator Cu lend?
Navigator Cu decided applications in 4 of the states Fat Boy Data covers, most of them in Mississippi, Alabama and Florida.
Can I apply to Navigator Cu directly?
Yes. Navigator Cu is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Navigator Cu'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 Navigator Cu treats applications, then get a rate quote from the lender.