Navigator Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, Navigator Credit Union of Pascagoula, MS reported 206 mortgage applications totaling $22.4 million, down 14% from 2018. The average application was for $108,640, and applicants reported an average income of $73,601. 27% of its applications resulted in an originated loan and 42% were denied. Its largest markets were Gulfport-Biloxi-Pascagoula, MS (129), Mobile, AL (53) and Daphne-Fairhope-Foley, AL (8) (applications in parentheses).
| Mortgage Company & Address | Navigator Credit Union P O Box 1647 Pascagoula, MS 39568 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 206 |
| Total Mortgage Loan Application Amount | $22,380,000 |
| Average Mortgage Loan Application Amount | $108,640 |
| Highest Mortgage Loan Application Amount | $325,000 |
| Average Applicant Income | $73,601 |
| Highest Applicant Income | $360,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Navigator Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Navigator Credit Union in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 117 | $13,905,000 | $118,000 | $325,000 | $71,000 | $300,000 |
| Cash-out Refinancing | 44 | $3,780,000 | $85,000 | $205,000 | $70,000 | $151,000 |
| Refinancing | 44 | $4,670,000 | $106,000 | $285,000 | $85,000 | $360,000 |
| Home Improvement | 1 | $25,000 | $25,000 | $25,000 | $35,000 | $35,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 142 | $16,050,000 | $113,000 | $285,000 | $81,000 | $360,000 |
| Black or African American | 40 | $3,630,000 | $90,000 | $225,000 | $55,000 | $151,000 |
| Not Provided | 17 | $1,865,000 | $109,000 | $275,000 | $61,000 | $91,000 |
| Hispanic | 5 | $745,000 | $149,000 | $325,000 | $68,000 | $99,000 |
| Asian | 1 | $25,000 | $25,000 | $25,000 | $22,000 | $22,000 |
| Not applicable | 1 | $65,000 | $65,000 | $65,000 | $56,000 | $56,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 201 | $21,685,000 | $107,000 | $325,000 | $74,000 | $360,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $695,000 | $139,000 | $215,000 | $52,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 87 | $8,245,000 | $94,000 | $275,000 | $63,000 | $257,000 |
| Loan Originated | 55 | $6,535,000 | $118,000 | $325,000 | $85,000 | $360,000 |
| Application Approved But Not Accepted | 26 | $2,950,000 | $113,000 | $225,000 | $80,000 | $196,000 |
| Application Withdrawn By Applicant | 23 | $2,945,000 | $128,000 | $285,000 | $89,000 | $300,000 |
| File Closed For Incompleteness | 9 | $1,125,000 | $125,000 | $235,000 | $57,000 | $103,000 |
| Preapproval Denied by Financial Institution | 5 | $535,000 | $107,000 | $145,000 | $56,000 | $81,000 |
| Preapproval Approved but not Accepted | 1 | $45,000 | $45,000 | $45,000 | $94,000 | $94,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 114 | $13,600,000 | $119,000 | $325,000 | $82,000 | $360,000 |
| Credit History | 53 | $5,205,000 | $98,000 | $225,000 | $57,000 | $151,000 |
| Debt-To-Income Ratio | 25 | $2,375,000 | $95,000 | $275,000 | $56,000 | $186,000 |
| Collateral | 7 | $455,000 | $65,000 | $115,000 | $95,000 | $257,000 |
| Unverifiable Information | 3 | $345,000 | $115,000 | $155,000 | $93,000 | $130,000 |
| Other | 2 | $310,000 | $155,000 | $155,000 | $77,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $90,000 | $45,000 | $45,000 | $90,000 | $136,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Navigator Credit Union's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Navigator Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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