NAVIGATOR CU
NAVIGATOR CU received 190 applications in 2025 and made 117 mortgages, in 15 counties across 2 states. The median rate its borrowers got was 6.375% on a median loan of $125,000. Of 144 decisions, 27 were denials — 18.8%, most often for credit history.
| Legal Entity Identifier | 5493006OZEG7DK77IP05 |
|---|---|
| Applications received | 190 |
| Mortgages made | 117 |
| Denied | 27 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 46 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.0545 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 41 | 6.250% | $205,000 | 2.4% |
| Refinancing | 25 | 6.125% | $95,000 | 26.5% |
| Cash-out refinancing | 50 | 6.688% | $75,000 | 25.4% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where NAVIGATOR CU lends most
The 15 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jackson County, MS | 42 | 6.375% | 25.0% |
| Mobile County, AL | 39 | 6.375% | 11.4% |
| Baldwin County, AL | 13 | 6.625% | 7.1% |
| Harrison County, MS | 8 | Under 10 loans | 20.0% |
| Forrest County, MS | 3 | Under 10 loans | 25.0% |
| Greene County, MS | 3 | Under 10 loans | 0.0% |
| George County, MS | 2 | Under 10 loans | 33.3% |
| Lamar County, MS | 2 | Under 10 loans | 33.3% |
| Montgomery County, AL | 1 | Under 10 loans | 0.0% |
| Clarke County, MS | 1 | Under 10 loans | 0.0% |
| Pearl River County, MS | 1 | Under 10 loans | 0.0% |
| Perry County, MS | 1 | Under 10 loans | 0.0% |
| Stone County, MS | 1 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 0 | Under 10 loans | 100.0% |
| Covington County, MS | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.