Applications / Mortgage Analytics / Lenders / Rhode Island / Navigant Credit Union
Smithfield, RI · Credit union · NCUA · $4.1 billion assets · 2,076 loans in 2025
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2,076
loans originated, 2025
3,216
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Navigant Credit Union is a Rhode Island credit union that ranks 3 of 475 lenders in Providence-Warwick, with lending spread almost evenly across purchase, refinance, other-purpose and home-improvement loans.
It held 3.7% of the Providence-Warwick market, down from 4.2%, behind Citizens Bank and United Wholesale Mortgage. The fall could reflect stronger years for competitors or its own slower growth: originations fell to 2,076 from 2,143, while similar lenders (credit unions making between half and twice as many loans) grew 11% and the whole market 10%.
Home purchases made up 29.0% of its loans, refinances 27.5%, other-purpose loans 23.0% and home improvement 20.5%. Its typical loan, $175,000, was larger than at about four in five similar lenders, whose typical loan was $115,000, and jumbo loans (larger than the conforming limit) were 5.6%, against 1.5%.
Its typical rate was 6.50% against 7.00% at similar lenders, and 0.8% of its loans were higher-priced (a rate well above the average for similar loans), against 1.7%. It turned down 1.4% of decided first-lien home-purchase applications on owner-occupied homes, against 6.3%, lower than nearly all of them.
LMI (low- and moderate-income) borrowers received 27.1% of its loans, against 26.9% at similar lenders, near the middle. Its share in LMI areas, 11.2% against 15.2%, was lower than about four in five, though up from 8.5% five years before. The make-up of the Rhode Island and Massachusetts markets it serves could account for this.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Navigant Credit Union took 3,216 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 29.0% · Refinance 27.5% · Other 23.0% · Home improvement 20.5%
Conventional 100.0% · of 2,076 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Rhode Island | 1,833 | 88.3% |
| Massachusetts | 150 | 7.2% |
| Connecticut | 57 | 2.7% |
| Florida | 18 | 0.9% |
| New Hampshire | 9 | 0.4% |
| Maine | 3 | 0.1% |
| South Carolina | 2 | 0.1% |
| North Carolina | 1 | 0.0% |
| New Jersey | 1 | 0.0% |
| New York | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Providence-Warwick | 1,919 |
| Worcester | 64 |
| Boston | 26 |
| Norwich-New London-Willimantic | 14 |
| Hartford-West Hartford-East Hartford | 5 |
| Barnstable Town | 4 |
| Cambridge-Newton-Framingham | 3 |
| Naples-Marco Island | 3 |
| Port St. Lucie | 3 |
| Lakeland-Winter Haven | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YIBRM1ZYA6GT07 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 951698 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562882 | 1990–2017 |
Established 1 January 1915. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Navigant Credit Union's data.
Navigant Credit Union's data
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Navigant Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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