Applications / Mortgage Analytics / Lenders / Mississippi / Navigator Credit Union
Moss Point, MS · Credit union · NCUA · $386 million assets · 117 loans in 2025
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117
loans originated, 2025
191
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Navigator Credit Union, a Mississippi credit union that lends mostly to refinance, grew its loans by 22% in 2025, faster than about two-thirds of similar lenders.
Its originations rose 22%, while similar lenders (credit unions making between half and twice as many loans) grew 8% and the market 10%. Refinances made up 64.1% of its loans and purchases 35.0%. Its yearly count swings widely: 45 in 2022, 115 in 2023.
Majority-minority areas took 17.1% of its loans, against 9.3% at similar lenders, higher than at nearly two-thirds of them. Low- and moderate-income (LMI) neighborhoods took 19.8%, up from 5.1% in 2020. LMI borrowers took 30.8%, up from 9.0%. Both are now close to peers' levels.
It ranked 55 of 319 lenders in Gulfport-Biloxi and 55 of 356 in Mobile, with 0.3% and 0.4%, both unchanged. It has lent in both since at least 1990. CMG Mortgage led Gulfport-Biloxi and Rocket Mortgage led Mobile. In Hattiesburg its share rose to 0.2%.
Its typical rate, 6.38%, was lower than at about three in four similar lenders, whose typical rate was 6.75%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Navigator Credit Union took 191 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 64.1% · Purchase 35.0% · Other 0.9%
Conventional 100.0% · of 117 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 |
|---|---|---|
| Mississippi | 64 | 54.7% |
| Alabama | 53 | 45.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Gulfport-Biloxi | 51 |
| Mobile | 39 |
| Daphne-Fairhope-Foley | 13 |
| Hattiesburg | 6 |
| Montgomery | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006OZEG7DK77IP05 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 751692 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563637 | 1990–2017 |
Established 1 January 1939. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Navigator Credit Union's data.
Navigator Credit Union's data
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Navigator 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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