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Navigant Credit Union

Credit Union•Smithfield, RIHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Navigant Credit Union — 665 loans across 879 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 35.10 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and Jumbo loans

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Report Card

Navigant Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 35.1 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
624 loans · 0.33% below market
Strong
Top 40% of lenders
4/5
Jumbo
41 loans · 0.98% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
539 loans · 0.26% below market
Strong
Top 40% of lenders
4/5
Refinance
126 loans · 0.74% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume624
Mix93.8%
Spread
-0.332%Below
Fees
$795Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Exceptional
Volume41
Mix6.2%
Spread
-0.984%Below
Fees
$590Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume539
Mix81.1%
Spread
-0.256%Below
Fees
$798Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume126
Mix18.9%
Spread
-0.745%Below
Fees
$753Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
665
Applications
879
Volume
$277 million
Pricing & Closing
Avg Rate Spread
-0.351%
vs. market APOR
Avg Net Fees
$789
Origination − Credits
Pullthrough Rate
75.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$417,526
Avg Borrower Income
$167,284
Avg Property Value
$578,759

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

8Full-year 2024 · HMDA
8 states with loan originations
Loans originated
< 2020–5050+None
Northeast6
CTMEMANHRIVT
South2
FLSC

Top Metro Areas by Place Specialization Score

1© Macaolards · CC BY-SA 4.0
Providence, RI-MAMetro
Volume 593Mix 89.17% of portfolio
100/100
Exceptional
2© Luciof · CC BY-SA 3.0
Boston, MAMetro
Volume 12Mix 1.80% of portfolio
43/100
Sound
3© Quintin Soloviev · CC BY 4.0
Worcester, MAMetro
Volume 10Mix 1.50% of portfolio
41/100
Sound

Top States by Place Specialization Score

Rhode Island
Rhode Island
1
Rhode IslandState
Volume 561Mix 84.36% of portfolio
100/100
Exceptional
Massachusetts
Massachusetts
2
MassachusettsState
Volume 57Mix 8.57% of portfolio
58/100
Sound
Connecticut
Connecticut
3
ConnecticutState
Volume 23Mix 3.46% of portfolio
49/100
Sound
Florida
Florida
4
FloridaState
Volume 16Mix 2.41% of portfolio
38/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.