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Institution profile

NAVY FEDERAL CREDIT UNION

Credit union · Active · Main office: Vienna, VA

Profile data observed August 6, 2026

Identity verified through NCUA; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.

CFPB Mortgage Complaint Activity

Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.

Total CFPB mortgage complaint records

2,163

Coverage start

December 1, 2012

Data through

August 20, 2026

Annual activity

CFPB mortgage complaint records by year
YearComplaint records
201212
201375
201481
201584
2016108
2017108
201894
2019142
2020228
2021219
2022185
2023193
2024200
2025230
2026204

Leading issues

  1. Applying for a mortgage or refinancing an existing mortgage

    None

    507

  2. Trouble during payment process

    None

    213

  3. Closing on a mortgage

    None

    193

  4. Applying for a mortgage or refinancing an existing mortgage

    Application denials

    162

  5. Loan modification,collection,foreclosure

    None

    128

View all issues (51)

  1. Loan servicing, payments, escrow account

    None

    111

  2. Struggling to pay mortgage

    None

    103

  3. Application, originator, mortgage broker

    None

    100

  4. Trouble during payment process

    Escrow, taxes, or insurance

    66

  5. Trouble during payment process

    Trying to communicate with the company to fix an issue while managing or servicing your loan

    53

  6. Applying for a mortgage or refinancing an existing mortgage

    Delays in the application process

    48

  7. Trouble during payment process

    Payment process

    47

  8. Applying for a mortgage or refinancing an existing mortgage

    Trying to communicate with the company to fix an issue with the application process

    42

  9. Struggling to pay mortgage

    Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

    40

  10. Credit decision / Underwriting

    None

    39

  11. Closing on a mortgage

    Delays with the closing process

    34

  12. Closing on a mortgage

    Closing disclosure or other related disclosures

    27

  13. Closing on a mortgage

    Trying to communicate with the company to fix an issue with the loan closing

    22

  14. Applying for a mortgage or refinancing an existing mortgage

    Changes in loan terms during the application process

    20

  15. Settlement process and costs

    None

    19

  16. Struggling to pay mortgage

    Foreclosure

    19

  17. Closing on a mortgage

    Changes in loan terms during or after closing

    17

  18. Applying for a mortgage or refinancing an existing mortgage

    Confusing or misleading advertising or marketing

    15

  19. Struggling to pay mortgage

    Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

    13

  20. Applying for a mortgage or refinancing an existing mortgage

    Negative impact of inaccurate appraisal

    12

  21. Struggling to pay mortgage

    An existing modification, forbearance plan, short sale, or other loss mitigation relief

    12

  22. Incorrect information on your report

    Account status incorrect

    11

  23. Trouble during payment process

    Interest rate

    11

  24. Closing on a mortgage

    Fees or costs after closing

    8

  25. Applying for a mortgage or refinancing an existing mortgage

    Fees or costs during the application process

    7

  26. Incorrect information on your report

    Account information incorrect

    7

  27. Trouble during payment process

    Paying off the loan

    6

  28. Problem with a credit reporting company's investigation into an existing problem

    Investigation took more than 30 days

    5

  29. Applying for a mortgage or refinancing an existing mortgage

    Loan estimate or other related disclosures

    4

  30. Improper use of your report

    Reporting company used your report improperly

    4

  31. Other

    None

    4

  32. Problem with a company's investigation into an existing problem

    Was not notified of investigation status or results

    4

  33. Trouble during payment process

    Fees charged

    4

  34. Closing on a mortgage

    Setting up an escrow account for taxes and insurance

    3

  35. Improper use of your report

    Credit inquiries on your report that you don't recognize

    3

  36. Incorrect information on your report

    Information belongs to someone else

    3

  37. Problem with a company's investigation into an existing problem

    Their investigation did not fix an error on your report

    3

  38. Trouble during payment process

    Lien release

    3

  39. Unable to get your credit report or credit score

    Other problem getting your report or credit score

    3

  40. Incorrect information on your report

    Old information reappears or never goes away

    2

  41. Improper use of your report

    Report provided to employer without your written authorization

    1

  42. Incorrect information on your report

    Information is missing that should be on the report

    1

  43. Problem with a company's investigation into an existing problem

    Difficulty submitting a dispute or getting information about a dispute over the phone

    1

  44. Problem with a company's investigation into an existing problem

    Investigation took more than 30 days

    1

  45. Problem with a company's investigation into an existing problem

    Problem with personal statement of dispute

    1

  46. Trouble during payment process

    Loan sold or transferred to another company

    1

States

  1. Virginia

    244

  2. Florida

    228

  3. California

    220

  4. Maryland

    206

  5. Georgia

    157

View all states (55)

  1. Texas

    146

  2. North Carolina

    117

  3. None

    67

  4. Washington

    52

  5. Arizona

    48

  6. Pennsylvania

    48

  7. South Carolina

    46

  8. New York

    45

  9. Colorado

    37

  10. New Jersey

    34

  11. Nevada

    33

  12. Illinois

    32

  13. District of Columbia

    30

  14. Tennessee

    28

  15. Kentucky

    27

  16. Michigan

    26

  17. Alabama

    24

  18. Wisconsin

    24

  19. Ohio

    23

  20. Connecticut

    22

  21. Missouri

    20

  22. Louisiana

    19

  23. Massachusetts

    17

  24. Hawaii

    16

  25. Mississippi

    13

  26. Delaware

    10

  27. Indiana

    10

  28. New Hampshire

    10

  29. Oklahoma

    10

  30. Maine

    7

  31. Nebraska

    7

  32. AP

    6

  33. Arkansas

    6

  34. Minnesota

    6

  35. New Mexico

    6

  36. Oregon

    5

  37. West Virginia

    5

  38. Idaho

    4

  39. Iowa

    3

  40. AE

    2

  41. Alaska

    2

  42. Kansas

    2

  43. North Dakota

    2

  44. Puerto Rico

    2

  45. Rhode Island

    2

  46. Utah

    2

  47. Vermont

    2

  48. South Dakota

    1

  49. UNITED STATES MINOR OUTLYING ISLANDS

    1

  50. Wyoming

    1

Company response

  1. Closed with explanation

    1,735

  2. Closed with monetary relief

    195

  3. Closed with non-monetary relief

    193

  4. In progress

    39

  5. Closed

    1

Timely response

Timely-response figures are a count distribution as reported to CFPB, not a score.

  1. Yes

    2,163

How to read these figures

CFPB complaint records are submissions received by the Consumer Financial Protection Bureau. Complaint volume does not establish misconduct or wrongdoing. Counts can be influenced by company size, mortgage servicing volume, time in operation, consumer awareness and reporting, and corporate reporting structure. US Mortgage Index does not treat complaint allegations as independently verified facts.

Read the methodology