Navigator Cu Mortgage Rates, Fees & Info
Pascagoula, MSLEI: 5493006OZEG7DK77IP05
Tax ID: 64-0179401
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Mortgage Data
Review & Overview
Navigator Cu is a smaller mortgage company specializing in Cash Out Refi, Home Purchase, and Refi loans. Navigator Cu has a high proportion of conventional loans. Their top markets by origination volume include: Gulfport, Mobile, Daphne, and Laurel among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)Navigator Cu has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.10% | 5/4/24 |
| 30 Year Conventional Refi | 5.11% | 5/4/24 |
| 30 Year Cash-out Refi | 6.57% | 5/4/24 |
| 30 Year USDA Purchase | 6.27% | 5/4/24 |
| 30 Year USDA Refi | 6.27% | 5/4/24 |
| 15 Year Conventional Purchase | 6.05% | 5/4/24 |
| 15 Year Conventional Refi | 6.42% | 5/4/24 |
| 15 Year Cash-out Refi | 6.42% | 5/4/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Navigator Cu Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
78Origination Dollar Volume (All Markets)
$10,980,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 53 | $7,535,000 | $142,170 | $0 | 0.00% |
| MOBILE, AL (FHA|USDA|VA) | 19 | $2,345,000 | $123,421 | $0 | 0.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $0 | 0.00% |
| Outside of Metro Areas | 3 | $455,000 | $151,667 | $0 | 0.00% |
| Laurel, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against NAVIGATOR CU based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 78 | $10,980,000 | $140,769 | $0 | 0.00% |
For 2020, Navigator Cu's most frequently originated type of loan was Conventional, with 78 originations.
Loan Reason
For 2020, Navigator Cu's most frequently cited loan purpose was Cash Out Refi, with 31 originations. The 2nd most popular reason was Home Purchase, with 23 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 78 | $10,980,000 | $140,769 | $0 | 0.00% |
For 2020, Navigator Cu's most frequently cited loan duration was Other, with 78 originations.
Loan Sizing
2020 saw Navigator Cu place emphasis on $100k-200k loans with 40 originations, totaling $5,930,000 in origination value.
Applicant Income
Navigator Cu lent most frequently to those with incomes in the $50k-75k range, with 25 originations. The second most popular income band? $100k-150k, with 24 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 78 | $10,980,000 | $140,769 | $0 | 0.00% |
Navigator Cu lent most frequently to those with DTI ratios of Exempt%, with 78 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications62.37%
Navigator Cu has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination52.56%
Navigator Cu has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 78 | $10,980,000 | $140,769 |