Navy Federal Credit Union in District of Columbia vs the state
28.5%Denial rate+10.44 pts vs state
42.3%Decision denial rate+18.52 pts vs state
37.8%Origination rate-17.72 pts vs state
7.75%Median rate+1.25 pts vs state
0.59Rate spread (pts)+0.54 pts vs state
$145kMedian applicant income
297Loans originated
224Denied
Trend in District of Columbia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 742 | 258 | 34.8% | 7.75% | #1 |
| 2024 | 719 | 266 | 31.9% | 7.89% | #1 |
| 2025 | 786 | 297 | 28.5% | 7.75% | #1 |
What Navy Federal Credit Union lends in District of Columbia
By loan purpose
By loan type
Why it denied District of Columbia applicants
Where in District of Columbia
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| District of Columbia | 786 | 297 | 224 | 28.5% |
Other large lenders in District of Columbia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 671 | 20.7% | 6.63% |
| Bank of America | F | 546 | 33.2% | 5.99% |
| First Savings Mortgage | A | 544 | 0.9% | 6.50% |
| Truist Bank | C | 529 | 41.2% | 6.25% |
| PNC Bank | D | 467 | 31.5% | 6.25% |
| JPMorgan Chase Bank | B | 459 | 7.6% | 6.38% |
| Citibank | B | 417 | 9.6% | 6.00% |
| First Home Mortgage | B | 359 | 2.5% | 6.63% |
| Newrez | D | 353 | 23.5% | 6.63% |
| United Shore Financial Services | B | 327 | 17.4% | 6.37% |
Frequently asked questions
District of Columbia: 786 applications in 2025, of which 297 were originated and 224 denied.
28.5% of all applications, or 42.3% of the applications it actually decided on. The District of Columbia statewide average across all lenders was 18.1%.
The median rate on loans Navy Federal Credit Union originated in District of Columbia in 2025 was 7.75%, against a statewide median of 6.50%.
About this data. Figures are Navy Federal Credit Union's own HMDA filing for properties located in District of Columbia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology