Lender in Minnesota · HMDA 2025
Navy Federal Credit Union mortgages in Minnesota
Navy Federal Credit Union's 2025 home-purchase and refinance lending in Minnesota, compared with all lenders in the state.
Navy Federal Credit Union originated 262 owner-occupied single-family loans in Minnesota from 303 completed applications.
Its median conventional purchase loan costs were $2,890 versus $5,100 for all Minnesota lenders, at a median 30-year fixed rate of 6.50% (Minnesota: 6.625%).
Loans in MN
262
of 303 applications
Denial rate
8.4%
Purchase · MN 5.2%
Rate spread
−0.18 pts
Conv. · MN +0.15 pts
Loan amount
$325,000
Purchase · MN $305,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 226 | 205 | 8.4% | 6.500% | −0.18 pts | $2,890 | $325,000 |
| Refinance | 32 | 25 | 18.8% | — | — | — | $345,000 |
| Cash-out refinance | 45 | 32 | 26.7% | — | — | — | $285,000 |
*Conventional loans only; medians with at least 20 loans.
Minnesota counties where Navy Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Kittson County | 8 | 1 | 2.9% |
| Beltrami County | 15 | 4 | 1.5% |
| Pennington County | 15 | 1 | 0.9% |
| Stevens County | 16 | 1 | 1.3% |
| Roseau County | 18 | 1 | 0.7% |
| Grant County | 19 | 1 | 1.4% |
| Clearwater County | 20 | 1 | 1.1% |
| Polk County | 23 | 3 | 0.9% |
| Lyon County | 24 | 2 | 0.8% |
| Kandiyohi County | 25 | 4 | 0.9% |
- Navy Federal Credit Union nationwide
- Minnesota mortgage market
- Navy Federal Credit Union in Florida
- 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
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology