Name	URL
Huntsville, AL (City Mortgage Rates)	https://ratelooter.com/mortgage-rates/Huntsville-AL/
Spartanburg, SC (City Mortgage Rates)	https://ratelooter.com/mortgage-rates/Spartanburg-SC/
Memphis, TN (City Mortgage Rates)	https://ratelooter.com/mortgage-rates/Memphis-TN/
Franklin, KY (City Mortgage Rates)	https://ratelooter.com/mortgage-rates/Franklin-KY/
Apopka, FL (City Mortgage Rates)	https://ratelooter.com/mortgage-rates/Apopka-FL/
Lawrenceville, GA (City Mortgage Rates)	https://ratelooter.com/mortgage-rates/Lawrenceville-GA/
Herndon, VA (City Mortgage Rates)	https://ratelooter.com/mortgage-rates/Herndon-VA/
Mobile, AL (City Mortgage Rates)	https://ratelooter.com/mortgage-rates/Mobile-AL/
Chickasaw, AL (City Mortgage Rates)	https://ratelooter.com/mortgage-rates/Chickasaw-AL/
Orange Beach, AL (City Mortgage Rates)	https://ratelooter.com/mortgage-rates/Orange-Beach-AL/

Quick Calculators

Today's Mortgage Rates at Navy Federal Credit Union

Looking for something else? See the latest refinance mortgage rates at Navy Federal Credit Union. See the latest HELOC rates at Navy Federal Credit Union.

Reported Address: 820 Follin Lane Southeast, VA

Active States: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY

Most Recent Borrower Reported Mortgage Rates at Navy Federal Credit Union

Credit Score:

Loan Type:

Lender:

Date	House Price	Loan Amount	Credit Score	Interest Rate	Monthly Payment	Annual Salary	City	Closing Costs	Loan Type	Loan Term	LTV	DTI	Rate Type	Purchase Reason	Lender
07/30/2020	369,000	295,000	743	3.96	1,121	107,000	Prescott Valley, AZ	1,600	Conventional	30	80	46	FRM	Primary	549300MGPZBLQDIL7538
07/30/2020	545,000	545,000	788	3.59	2,474	229,000	Grovetown, GA	9,500	Conventional	30	100	33	FRM	Primary	DX0JX77PRMOELF7VG772
07/30/2020	1,293,500	995,000	816	3.34	3,368	294,000	Chapel Hill, NC	6,950	Conventional	30	76	33	FRM	Primary	JJKC32MCHWDI71265Z06
07/30/2020	353,500	318,250	795	3.46	1,280	149,000	Schaumburg, IL	4,750	Conventional	30	90	43	FRM	Primary	C398JSK21YCXWM603F55
07/30/2020	226,000	225,000	697	4.22	1,096	76,000	Nampa, ID	4,500	Conventional	30	99	41	FRM	Primary	549300WTZMQSET2VY242
07/30/2020	315,500	295,000	723	3.72	1,271	69,000	Hutchinson, MN	10,300	FHA	30	93	48	FRM	Primary	549300AENO88GEUWCZ39
07/30/2020	87,500	85,000	772	3.72	380	30,000	Florence, SC	3,150	Conventional	30	97	33	FRM	Primary	549300916KMYQ118CX89
07/30/2020	293,000	278,250	754	3.84	1,237	80,000	Spartanburg, SC	2,600	Conventional	30	95	37	FRM	Primary	549300GUS13Z72B6KD63
07/30/2020	575,000	555,000	761	3.46	2,394	110,000	Santa Ana, CA	28,300	FHA	30	96	55	FRM	Primary	549300YOESI1GLKRL151
07/30/2020	494,500	445,000	800	3.72	1,846	172,000	Naperville, IL	6,350	Conventional	30	90	25	FRM	Primary	5493001R92DY5DI1DI85

Today's Average Mortgage Rates by Credit Score at Navy Federal Credit Union

Today's - 2020

2019

2018

Today's - 2020

lei:

State:

lei	State	Credit Score	Conventional	FHA	VA
01J4SO3XTWZF4PP38209	AL	650 and below	4.45	4.18	4.13
01J4SO3XTWZF4PP38209	AL	650 to 700	4.09	3.96	3.89
01J4SO3XTWZF4PP38209	AL	700 to 750	3.71	3.58	3.49
01J4SO3XTWZF4PP38209	AL	750 to 800	3.30	3.10	3.02
01J4SO3XTWZF4PP38209	AL	800 and above	2.80	2.66	2.50
01J4SO3XTWZF4PP38209	FL	650 and below	4.47	4.36	4.36
01J4SO3XTWZF4PP38209	FL	650 to 700	4.15	4.06	3.96
01J4SO3XTWZF4PP38209	FL	700 to 750	3.69	3.60	3.44
01J4SO3XTWZF4PP38209	FL	750 to 800	3.24	3.12	3.05
01J4SO3XTWZF4PP38209	FL	800 and above	2.76	2.64	2.49

Fig: Average mortgage rates by credit score in the selected state in 2020 offered by Navy Federal Credit Union

2019

lei:

State:

lei	State	Credit Score	Conventional	FHA	VA
01J4SO3XTWZF4PP38209	AL	650 and below	5.31	4.96	4.72
01J4SO3XTWZF4PP38209	AL	650 to 700	4.81	4.64	4.74
01J4SO3XTWZF4PP38209	AL	700 to 750	4.37	4.18	4.11
01J4SO3XTWZF4PP38209	AL	750 to 800	3.90	3.75	3.67
01J4SO3XTWZF4PP38209	AL	800 and above	3.49	3.34	3.11
01J4SO3XTWZF4PP38209	FL	650 and below	5.33	5.06	4.80
01J4SO3XTWZF4PP38209	FL	650 to 700	4.88	4.45	4.51
01J4SO3XTWZF4PP38209	FL	700 to 750	4.37	4.17	4.08
01J4SO3XTWZF4PP38209	FL	750 to 800	3.87	3.78	3.63
01J4SO3XTWZF4PP38209	FL	800 and above	3.41	3.31	3.17

Fig: Average mortgage rates by credit score in the selected state in 2019 offered by Navy Federal Credit Union

2018

lei:

State:

lei	State	Credit Score	Conventional	FHA	VA
01J4SO3XTWZF4PP38209	AL	650 and below	5.36	5.28	5.20
01J4SO3XTWZF4PP38209	AL	650 to 700	5.09	4.76	4.64
01J4SO3XTWZF4PP38209	AL	700 to 750	4.59	4.49	4.44
01J4SO3XTWZF4PP38209	AL	750 to 800	4.19	4.08	3.95
01J4SO3XTWZF4PP38209	AL	800 and above	3.81	3.55	3.44
01J4SO3XTWZF4PP38209	FL	650 and below	5.58	5.39	5.10
01J4SO3XTWZF4PP38209	FL	650 to 700	4.91	4.84	4.75
01J4SO3XTWZF4PP38209	FL	700 to 750	4.52	4.49	4.32
01J4SO3XTWZF4PP38209	FL	750 to 800	4.13	4.10	3.90
01J4SO3XTWZF4PP38209	FL	800 and above	3.61	3.48	3.50

Fig: Average mortgage rates by credit score in the selected state in 2018 offered by Navy Federal Credit Union

Average Mortgage Rates by Loan-to-Value at Navy Federal Credit Union

Today's - 2020

2019

2018

Today's - 2020

lei:

State:

lei	State	Loan-to-Value	Interest Rate
01J4SO3XTWZF4PP38209	AL	50% and below	3.53
01J4SO3XTWZF4PP38209	AL	50% to 75%	3.90
01J4SO3XTWZF4PP38209	AL	75% to 80%	3.98
01J4SO3XTWZF4PP38209	AL	80% to 85%	4.05
01J4SO3XTWZF4PP38209	AL	85% to 90%	4.13
01J4SO3XTWZF4PP38209	AL	90% to 95%	4.20
01J4SO3XTWZF4PP38209	AL	95% and above	4.28
01J4SO3XTWZF4PP38209	FL	50% and below	3.47
01J4SO3XTWZF4PP38209	FL	50% to 75%	3.84
01J4SO3XTWZF4PP38209	FL	75% to 80%	3.92

Fig: Average mortgage rates by loan-to-value ratio in the selected state in 2020 offered by Navy Federal Credit Union

2019

lei:

State:

lei	State	Loan-to-Value	Interest Rate
01J4SO3XTWZF4PP38209	AL	50% and below	4.16
01J4SO3XTWZF4PP38209	AL	50% to 75%	4.54
01J4SO3XTWZF4PP38209	AL	75% to 80%	4.61
01J4SO3XTWZF4PP38209	AL	80% to 85%	4.69
01J4SO3XTWZF4PP38209	AL	85% to 90%	4.76
01J4SO3XTWZF4PP38209	AL	90% to 95%	4.84
01J4SO3XTWZF4PP38209	AL	95% and above	4.91
01J4SO3XTWZF4PP38209	FL	50% and below	4.10
01J4SO3XTWZF4PP38209	FL	50% to 75%	4.47
01J4SO3XTWZF4PP38209	FL	75% to 80%	4.55

Fig: Average mortgage rates by loan-to-value ratio in the selected state in 2019 offered by Navy Federal Credit Union

2018

lei:

State:

lei	State	Loan-to-Value	Interest Rate
01J4SO3XTWZF4PP38209	AL	50% and below	4.43
01J4SO3XTWZF4PP38209	AL	50% to 75%	4.81
01J4SO3XTWZF4PP38209	AL	75% to 80%	4.88
01J4SO3XTWZF4PP38209	AL	80% to 85%	4.96
01J4SO3XTWZF4PP38209	AL	85% to 90%	5.03
01J4SO3XTWZF4PP38209	AL	90% to 95%	5.11
01J4SO3XTWZF4PP38209	AL	95% and above	5.18
01J4SO3XTWZF4PP38209	FL	50% and below	4.36
01J4SO3XTWZF4PP38209	FL	50% to 75%	4.74
01J4SO3XTWZF4PP38209	FL	75% to 80%	4.81

Fig: Average mortgage rates by loan-to-value ratio in the selected state in 2018 offered by Navy Federal Credit Union

Average Mortgage Rates by Debt-to-Income at Navy Federal Credit Union

Today's - 2020

2019

2018

Today's - 2020

lei:

State:

lei	State	Debt-to-Income	Interest Rate
01J4SO3XTWZF4PP38209	AL	15% and below	3.00
01J4SO3XTWZF4PP38209	AL	15% to 25%	3.15
01J4SO3XTWZF4PP38209	AL	25% to 35%	3.30
01J4SO3XTWZF4PP38209	AL	35% to 40%	3.38
01J4SO3XTWZF4PP38209	AL	40% to 45%	3.45
01J4SO3XTWZF4PP38209	AL	45% and above	3.83
01J4SO3XTWZF4PP38209	FL	15% and below	2.94
01J4SO3XTWZF4PP38209	FL	15% to 25%	3.09
01J4SO3XTWZF4PP38209	FL	25% to 35%	3.24
01J4SO3XTWZF4PP38209	FL	35% to 40%	3.32

Fig: Average mortgage rates by debt-to-income ratio in the selected state in 2020 offered by Navy Federal Credit Union

2019

lei:

State:

lei	State	Debt-to-Income	Interest Rate
01J4SO3XTWZF4PP38209	AL	15% and below	3.64
01J4SO3XTWZF4PP38209	AL	15% to 25%	3.79
01J4SO3XTWZF4PP38209	AL	25% to 35%	3.94
01J4SO3XTWZF4PP38209	AL	35% to 40%	4.01
01J4SO3XTWZF4PP38209	AL	40% to 45%	4.09
01J4SO3XTWZF4PP38209	AL	45% and above	4.46
01J4SO3XTWZF4PP38209	FL	15% and below	3.57
01J4SO3XTWZF4PP38209	FL	15% to 25%	3.72
01J4SO3XTWZF4PP38209	FL	25% to 35%	3.87
01J4SO3XTWZF4PP38209	FL	35% to 40%	3.95

Fig: Average mortgage rates by debt-to-income ratio in the selected state in 2019 offered by Navy Federal Credit Union

2018

lei:

State:

lei	State	Debt-to-Income	Interest Rate
01J4SO3XTWZF4PP38209	AL	15% and below	3.91
01J4SO3XTWZF4PP38209	AL	15% to 25%	4.06
01J4SO3XTWZF4PP38209	AL	25% to 35%	4.21
01J4SO3XTWZF4PP38209	AL	35% to 40%	4.28
01J4SO3XTWZF4PP38209	AL	40% to 45%	4.36
01J4SO3XTWZF4PP38209	AL	45% and above	4.73
01J4SO3XTWZF4PP38209	FL	15% and below	3.84
01J4SO3XTWZF4PP38209	FL	15% to 25%	3.99
01J4SO3XTWZF4PP38209	FL	25% to 35%	4.14
01J4SO3XTWZF4PP38209	FL	35% to 40%	4.21

Fig: Average mortgage rates by debt-to-income ratio in the selected state in 2018 offered by Navy Federal Credit Union

First Mortgage Rejections at Navy Federal Credit Union

lei:

lei	Denied	Approved	Total	Denial Percentage
01J4SO3XTWZF4PP38209	1,041	7,858	8,899	12
01KWVG908KE7RKPTNP46	988	16,413	17,401	6
03D0JEWFDFUS0SEEKG89	19,988	18,421	38,409	52
0K2D5AK28E3O5CC06E35	13	423	436	3
0L0W72STJN2EGP1X2N39	93	579	672	14
0S8H5NJFLHEVJXVTQ413	719	1,073	1,792	40
1IE8VN30JCEQV1H4R804	705	3,212	3,917	18
1TMVIO1SD0RLIPEIW803	600	1,443	2,043	29
1VUZZZCW0TWP6R7N3Z33	46	249	295	16
207ALC1P1YM0OVDV0K75	27	688	715	4

lei	Reason for Denial	Conventional	FHA	VA
01J4SO3XTWZF4PP38209	Debt-to-income ratio	26	33	0
01J4SO3XTWZF4PP38209	Employment history	1	7	0
01J4SO3XTWZF4PP38209	Credit history	47	27	50
01J4SO3XTWZF4PP38209	Collateral	15	20	50
01J4SO3XTWZF4PP38209	Insufficient cash (downpayment, closing costs)	2	7	0
01J4SO3XTWZF4PP38209	Unverifiable information	2	7	0
01J4SO3XTWZF4PP38209	Credit application incomplete	0	0	0
01J4SO3XTWZF4PP38209	Unknown/Other	6	0	0
01KWVG908KE7RKPTNP46	Debt-to-income ratio	26	22	25
01KWVG908KE7RKPTNP46	Employment history	4	4	0

Second Mortgage/Refinance Rejection Rates at Navy Federal Credit Union

lei:

lei	Denied	Approved	Total	Denial Percentage
01J4SO3XTWZF4PP38209	551	1,185	1,736	32
01KWVG908KE7RKPTNP46	573	3,000	3,573	16
03D0JEWFDFUS0SEEKG89	23,865	13,082	36,947	65
0L0W72STJN2EGP1X2N39	149	409	558	27
0S8H5NJFLHEVJXVTQ413	509	503	1,012	50
1IE8VN30JCEQV1H4R804	270	377	647	42
1TMVIO1SD0RLIPEIW803	586	561	1,147	51
207ALC1P1YM0OVDV0K75	1	52	53	2
20TVKH7M13MUBGE80C53	224	825	1,049	21
2138004QPZ7FMGPTU106	8	19	27	30