Lender in Florida · HMDA 2025
Navy Federal Credit Union mortgages in Florida
Navy Federal Credit Union's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Navy Federal Credit Union originated 3,680 owner-occupied single-family loans in Florida from 4,580 completed applications, making it the state's #13 lender by volume.
Its median conventional purchase loan costs were $4,270 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.625% (Florida: 6.625%).
Loans in FL
3,680
of 4,580 applications
Denial rate
11.5%
Purchase · FL 12.8%
Rate spread
−0.05 pts
Conv. · FL +0.14 pts
Loan amount
$335,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 3,474 | 3,051 | 11.5% | 6.625% | −0.05 pts | $4,270 | $335,000 |
| Refinance | 408 | 233 | 40.2% | 6.250% | −0.26 pts | $2,420 | $355,000 |
| Cash-out refinance | 698 | 396 | 42.7% | 6.625% | −0.04 pts | $2,450 | $285,000 |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Navy Federal Credit Union ranks in the top 25
Showing the 30 counties where it ranks highest, of 42.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Escambia County | 1 | 408 | 8.9% |
| Duval County | 4 | 412 | 3.1% |
| Liberty County | 4 | 2 | 5.7% |
| Santa Rosa County | 5 | 238 | 5.4% |
| Clay County | 6 | 126 | 3.2% |
| Bradford County | 6 | 10 | 4.0% |
| Union County | 6 | 2 | 3.5% |
| Sumter County | 7 | 55 | 1.5% |
| Nassau County | 7 | 48 | 2.8% |
| Madison County | 7 | 2 | 2.3% |
| Okaloosa County | 9 | 106 | 2.8% |
| Holmes County | 9 | 3 | 3.0% |
| Bay County | 10 | 74 | 2.2% |
| Putnam County | 10 | 9 | 1.6% |
| Pinellas County | 11 | 154 | 1.4% |
| Monroe County | 11 | 9 | 1.3% |
| Suwannee County | 11 | 4 | 1.7% |
| Seminole County | 12 | 85 | 1.5% |
| St. Johns County | 13 | 112 | 1.6% |
| Alachua County | 13 | 41 | 1.5% |
| Hillsborough County | 14 | 238 | 1.3% |
| Baker County | 14 | 5 | 1.8% |
| Brevard County | 15 | 176 | 1.6% |
| Jefferson County | 15 | 2 | 1.7% |
| Orange County | 16 | 168 | 1.1% |
| Citrus County | 16 | 39 | 1.3% |
| Columbia County | 16 | 7 | 1.3% |
| Wakulla County | 16 | 7 | 1.0% |
| Jackson County | 16 | 4 | 1.4% |
| DeSoto County | 16 | 2 | 0.9% |
- Navy Federal Credit Union nationwide
- Florida mortgage market
- Navy Federal Credit Union in Virginia
- Navy Federal Credit Union in Texas
- Navy Federal Credit Union in North Carolina
- Navy Federal Credit Union in Georgia
- Navy Federal Credit Union in Maryland
- Navy Federal Credit Union in California
- Navy Federal Credit Union in South Carolina
- Navy Federal Credit Union in Pennsylvania
- Navy Federal Credit Union in Ohio
- Navy Federal Credit Union in Tennessee
- Navy Federal Credit Union in Washington
- Navy Federal Credit Union in Alabama
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology