Navigant Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
66th19.1% deniedPricingmedian rate spread over APOR, weight 30%
76th-0.35 ptsProcesswithdrawn + incomplete share, weight 15%
23rd17.7%Closing coststotal loan costs ÷ loan amount, weight 10%
73rd2.31% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 3,008 | 1,904 | 21.4% | 24.6% | 6.88% | $417M |
| 2024 | 3,426 | 2,143 | 19.2% | 22.9% | 6.75% | $485M |
| 2025 | 3,216 | 2,076 | 15.7% | 19.1% | 6.50% | $534M |
What Navigant Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 1,792 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 78 investment properties.
Why Navigant Credit Union denies applications
Primary reason reported for each of the 505 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Navigant Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 235 | 73 | 56.9% |
| $50k – $100k | 965 | 556 | 25.4% |
| $100k – $150k | 851 | 558 | 17.5% |
| $150k – $250k | 755 | 569 | 9.1% |
| Over $250k | 342 | 271 | 3.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 25 | 19 | 9.1% |
| 25–34 | 519 | 342 | 16.0% |
| 35–44 | 843 | 546 | 19.0% |
| 45–54 | 629 | 393 | 23.1% |
| 55–64 | 673 | 433 | 19.7% |
| 65–74 | 386 | 249 | 16.9% |
| Over 74 | 120 | 76 | 19.6% |
Where Navigant Credit Union lends
13 states and 57 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Rhode Island | 2,847 | 1,833 | 16.1% | 6.50% | #2 |
| Massachusetts | 221 | 150 | 13.1% | 6.50% | #149 |
| Connecticut | 90 | 57 | 14.4% | 6.50% | #173 |
| Florida | 26 | 18 | 11.5% | 6.56% | #716 |
| New Hampshire | 18 | 9 | 11.1% | 6.50% | #204 |
Frequently asked questions
Navigant Credit Union denied 19.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 66th percentile of home-equity (HELOC) lenders.
The most common reason Navigant Credit Union gave in 2025 was "debt-to-income ratio", cited on 59.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Navigant Credit Union originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was -0.35 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 23% of its applications were for home purchases, 26% for refinancing (including cash-out), and 51% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.