Navigant Credit Union Mortgage Rates, Fees & Info
Smithfield, RILEI: 549300YIBRM1ZYA6GT07
Tax ID: 05-0125860
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Mortgage Data
Review & Overview
Navigant Credit Union is a smaller credit union specializing in Home Purchase and Refi loans. Navigant Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Providence, Boston, Worcester, Barnstable Town, and Port St. Lucie among others. We have data for 23 markets. (Some data included below & more in-depth data is available with an active subscription.)Navigant Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Navigant Credit Union is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
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 |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 5.12% | 11/23/24 |
| 30 Year Conventional Purchase | 6.09% | 11/23/24 |
| 30 Year Conventional Refi | 6.21% | 11/23/24 |
| 30 Year Cash-out Refi | 6.30% | 11/23/24 |
| 15 Year Conventional Purchase | 5.95% | 11/23/24 |
| 15 Year Conventional Refi | 6.03% | 11/23/24 |
| 15 Year Cash-out Refi | 6.03% | 11/23/24 |
| 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. | ||
Navigant Credit Union Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,577Origination Dollar Volume (All Markets)
$456,565,000Top 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 |
|---|---|---|---|---|---|
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2,426 | $424,050,000 | $174,794 | $4,657 | 4.44% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 44 | $11,570,000 | $262,955 | $6,725 | 4.45% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 58 | $11,560,000 | $199,310 | $7,226 | 4.90% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 7 | $2,345,000 | $335,000 | $2,872 | 4.46% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $3,677 | 5.08% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $2,966 | 4.09% |
| Outside of Metro Areas | 5 | $685,000 | $137,000 | $2,715 | 3.77% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $2,011 | 5.66% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $1,996 | 5.04% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,037 | 4.44% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,433 | 4.44% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,813 | 4.31% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,866 | 4.41% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,308 | 4.63% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,699 | 4.31% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,616 | 3.75% |
| Lebanon, NH-VT (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $2,672 | 4.29% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,687 | 5.00% |
| Palatka, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,020 | 4.63% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,520 | 4.38% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 4.87% |
| Berlin, NH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,967 | 4.38% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.70% |
Their top states include:
Similar Lenders
We use machine learning to identify the top lenders compared against Navigant Credit Union 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 | 1,655 | $360,445,000 | $217,792 | $4,717 | 4.49% |
| HELOC | 922 | $96,120,000 | $104,252 | n/a | 4.37% |
For 2019, Navigant Credit Union's most frequently originated type of loan was Conventional, with 1,655 originations. Their 2nd most popular type was HELOC, with 922 originations.
Loan Reason
For 2019, Navigant Credit Union's most frequently cited loan purpose was Home Purchase, with 799 originations. The 2nd most popular reason was Refi, with 634 originations.
Loan Duration/Length
For 2019, Navigant Credit Union's most frequently cited loan duration was 20 Year, with 1,023 originations. The 2nd most popular length was 30 Year, with 919 originations.
Origination Fees/Closing Costs
Navigant Credit Union's average total fees were $7,280, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,594 originations.
Interest Rates
During 2019, Navigant Credit Union's average interest rate for loans was 4.33%, while their most frequently originated rate bucket for loans was 3-4%, with 1,076 originations.
Loan Sizing
2019 saw Navigant Credit Union place emphasis on $100,000 or less loans with 1,043 originations, totaling $50,505,000 in origination value.
Applicant Income
Navigant Credit Union lent most frequently to those with incomes in the $100k-150k range, with 646 originations. The second most popular income band? $50k-75k, with 512 originations.
Applicant Debt to Income Ratio
Navigant Credit Union lent most frequently to those with DTI ratios of 20-30%, with 695 originations. The next most common DTI ratio? 30-36%, with 496 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications85.69%
Navigant Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination76.68%
Navigant Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 2 | $30,000 | $15,000 |
| NA | 2,575 | $456,535,000 | $177,295 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 16 | $13,120,000 | $820,000 |
| Single Family (1-4 Units):Site-Built | 2,561 | $443,445,000 | $173,153 |