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loanDepot vs Navy Federal Credit Union
Side-by-side refinance comparison based on public data and CFPB records.
Quick Comparison
| Feature | loanDepot | Navy Federal Credit Union |
|---|---|---|
| Wirly Rating | 4/5 | 4.6/5 |
| Min. Credit Score | 620 | 580 |
| Loan Types | Conventional, FHA, VA, Jumbo | Conventional, VA, Jumbo |
| Best For | Repeat customers | Military and VA loans |
Pros and Cons
loanDepot
Pros
- +Lifetime guarantee waives lender fees on future refinances
- +Available nationwide with local loan officers
- +Solid digital application experience
Cons
- -Higher rates reported compared to some online lenders
- -Customer service ratings have fluctuated
- -No USDA loans
Navy Federal Credit Union
Pros
- +Excellent VA loan terms with no PMI
- +Lower credit score requirements for military members
- +Consistently high customer satisfaction ratings
Cons
- -Membership limited to military, veterans, and families
- -No FHA or USDA loans
- -Branch locations concentrated near military bases
Ready to see your numbers?
Use our free calculators to see exactly how much you could save with either lender.
This comparison is for educational purposes only and does not constitute financial advice. Rankings reflect publicly available data and editorial evaluation. Wirly is not a lender or mortgage broker. See our methodology.