Navy Federal Credit Union phone numbers
Ranked #36 of 75 by complaint volume · 2,284 complaints · 99.9% timely response
Check your statement for the address for a mortgage-assistance application.
Every number above is copied from Navy Federal Credit Union's own site on the date shown. If one has changed, the number on your mortgage statement wins.
How Navy Federal Credit Union Compares
For Navy Federal Credit Union, "Applying for a mortgage or refinancing an existing mortgage" accounts for 36.8% of CFPB mortgage complaints in this profile; volume rose 15% from 2024 to 2025, ranking it #36 of 75 mortgage servicers tracked here by CFPB complaint volume and in this tracked set's middle third; this profile has no linked CFPB enforcement action.
Compare the nearest profiles by complaint volume: PHH Mortgage and Dovenmuehle Mortgage.
What Borrowers Complain About
Navy Federal Credit Union borrowers' most common complaint category is "Applying for a mortgage or refinancing an existing mortgage" at 36.8% of all complaints, followed by "Trouble during payment process" at 18.4%. The three most cited specific problems are: "application denials" (7.5%), "escrow, taxes, or insurance" (3.2%), "trying to communicate with the company to fix an issue while managing or servicing your loan" (2.5%).
The third most common category is "Closing on a mortgage" at 13.5%, representing 308 complaints.
Other frequently cited problems include "delays in the application process" (2.5%) and "payment process" (2.2%).
Complaint volume rose for 3 consecutive years (2022: 185, 2023: 193, 2024: 200, 2025: 230).
Most complaints involve conventional mortgages (37.3%), followed by VA mortgages (26.8%).
Navy Federal Credit Union's consumer dispute rate of 4.8% is below the 8.3% industry average.
Complaint Volume Over Time
Annual Consumer Financial Protection Bureau complaint volume for Navy Federal Credit Union from 2012 to present.
Annual Complaints — Navy Federal Credit Union
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Recent Monthly Trend
Monthly complaint volume over the last 24 months.
Monthly Complaints — Navy Federal Credit Union
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Top Complaint Issues
| Issue | Count | Share |
|---|---|---|
| Applying for a mortgage or refinancing an existing mortgage | 840 | 36.8% |
| Trouble during payment process | 420 | 18.4% |
| Closing on a mortgage | 308 | 13.5% |
| Struggling to pay mortgage | 197 | 8.6% |
| Loan modification,collection,foreclosure | 159 | 7% |
| Loan servicing, payments, escrow account | 126 | 5.5% |
| Application, originator, mortgage broker | 113 | 4.9% |
| Credit decision / Underwriting | 41 | 1.8% |
| Incorrect information on your report | 24 | 1.1% |
| Settlement process and costs | 22 | 1% |
How Navy Federal Credit Union Responds
Navy Federal Credit Union closes 78.9% of complaints with an explanation — meaning they responded but did not necessarily fix the borrower's issue. The share of complaints closed with monetary relief was 8.9% to the borrower, which is notably above average. 9.6% received non-monetary relief such as account corrections or fee waivers. Borrowers disputed 4.8% of responses, below the 8.3% industry average.
| Response Type | Count | Share |
|---|---|---|
| Closed with explanation | 1,803 | 78.9% |
| Closed with non-monetary relief Non-monetary relief | 219 | 9.6% |
| Closed with monetary relief Monetary relief | 203 | 8.9% |
| In progress | 35 | 1.5% |
| Closed without relief | 14 | 0.6% |
| Closed with relief | 5 | 0.2% |
| Closed | 4 | 0.2% |
| Untimely response | 1 | 0% |
Top States by Complaint Volume
View all 50 locations
| State | Complaints |
|---|---|
| VA | 263 |
| FL | 244 |
| CA | 231 |
| MD | 215 |
| GA | 162 |
| TX | 153 |
| NC | 126 |
| WA | 53 |
| PA | 52 |
| AZ | 49 |
| SC | 48 |
| NY | 47 |
| CO | 42 |
| NJ | 38 |
| NV | 34 |
| IL | 33 |
| DC | 32 |
| MI | 28 |
| KY | 28 |
| TN | 28 |
| OH | 25 |
| WI | 25 |
| AL | 25 |
| CT | 23 |
| MO | 22 |
| LA | 19 |
| MA | 18 |
| HI | 16 |
| MS | 13 |
| OK | 12 |
| IN | 11 |
| NH | 10 |
| DE | 10 |
| ME | 9 |
| MN | 7 |
| NE | 7 |
| AR | 6 |
| NM | 6 |
| OR | 6 |
| WV | 5 |
| RI | 4 |
| ID | 4 |
| IA | 3 |
| VT | 3 |
| AK | 2 |
| ND | 2 |
| KS | 2 |
| UT | 2 |
| WY | 2 |
| SD | 1 |
Navy Federal Credit Union's complaints concentrate in Virginia (263), Florida (244), and California (231). These three states account for 32% of all complaints. If you're dealing with Navy Federal Credit Union, check your state's foreclosure laws — protections vary significantly. Law pages for its top complaint states: Virginia, Florida and California.
Enforcement Record
We don't list a CFPB enforcement action against Navy Federal Credit Union. Our list is curated, so that isn't a finding that none exists; the CFPB's enforcement page is the full record. The database includes 2,284 complaints since 2012, one of the smaller complaint footprints among the top 75 servicers.
You can file a CFPB complaint about Navy Federal Credit Union, which responded to 99.9% of complaints within the required timeframe.
Legal History
We list no enforcement actions, Department of Justice settlements, state attorney general actions or class actions for Navy Federal Credit Union. That describes the cases we track, not a finding that none exist. Court dockets and your state attorney general's office are the places to check.
Search Navy Federal Credit Union Complaints
Browse the 500 most recent complaints filed against Navy Federal Credit Union. Filter by issue type, state, date range, or keyword. Their top complaint category is "Applying for a mortgage or refinancing an existing mortgage" at 36.8%. Most complaints originate from Virginia.
Know Your Rights with Navy Federal Credit Union
File a CFPB Complaint
If Navy Federal Credit Union is mishandling your mortgage, file a complaint with the CFPB. Navy Federal Credit Union currently responds to 99.9% of complaints on time, ranking #9 of 75 servicers.
Send a Qualified Written Request
A qualified written request asks about servicing your mortgage account. The federal servicing guide explains which requests are covered, where they go, and the response requirements and exceptions.
Get Free Housing Counseling
A HUD-approved housing counselor can review Navy Federal Credit Union's actions on your account, help you negotiate, and guide loss mitigation options — at no cost. If you're in Virginia (their highest complaint state), find local help.
Find Legal Aid
If Navy Federal Credit Union is violating federal servicing rules, a legal aid attorney may represent you for free. A complaint record describes reported problems, rather than a finding about your account.
Letters about your mortgage account
A qualified written request asks about servicing your loan. A notice of error identifies a servicing error. Federal rules have different requirements and exceptions for these letters; the guide to your rights explains them.
Disclaimer: Complaint counts reflect consumer-reported issues submitted to the CFPB and do not indicate wrongdoing. This data is provided for informational purposes only and should not be construed as legal or financial advice. Complaint volume correlates with servicer size — larger servicers with more customers naturally receive more complaints.
Questions about Navy Federal Credit Union
How many complaints does Navy Federal Credit Union have?
Navy Federal Credit Union has 2,284 mortgage-related complaints in the CFPB database since 2012, ranking #36 out of the top 75 mortgage servicers by complaint volume. Their timely response rate is 99.9%, which is above the 98.8% average across the 75 largest servicers. Complaint volume rose 15% between 2024 and 2025.
What is the most common complaint about Navy Federal Credit Union?
The most common complaint category is "Applying for a mortgage or refinancing an existing mortgage" at 36.8% of all complaints — general mortgage servicing and account management issues. Borrowers report communication breakdowns, unexpected account changes, and difficulty getting clear answers about their mortgage status. The most frequently cited specific problem is "application denials" (7.5% of complaints). The second most common category is "Trouble during payment process" at 18.4%.
Has Navy Federal Credit Union faced any CFPB enforcement actions?
We don't list a CFPB enforcement action against Navy Federal Credit Union. Our list is curated, so that isn't a finding that none exists; the CFPB enforcement page is the full record. The database includes 2,284 complaints, ranking #36 by volume among the 75 largest servicers. You can file one at consumerfinance.gov/complaint; the CFPB sends it to the company, where the company can respond through the CFPB process.
How do I file a complaint against Navy Federal Credit Union?
File at consumerfinance.gov/complaint. Select "Mortgage" as the product type and name Navy Federal Credit Union as the company. Select "Conventional home mortgage" as the sub-product — 37.3% of complaints against Navy Federal Credit Union fall in this category. Describe your issue in detail — include dates, account numbers, and any written correspondence. The CFPB forwards your complaint to Navy Federal Credit Union, where the company can respond through the CFPB process. You can also send a Qualified Written Request (QWR) under RESPA § 6 directly to the servicer, which has requirements and exceptions explained in the linked guide.
What does the timely response rate mean for Navy Federal Credit Union?
The 99.9% timely response rate means Navy Federal Credit Union responded to that share of complaints within the CFPB's applicable response window, ranking #9 of 75 servicers. The industry average is 98.8%. The share of complaints closed with monetary relief was 8.9% and 9.6% in non-monetary relief (such as account corrections or fee waivers). "Closed with explanation" — the most common outcome at 78.9% — means the servicer responded but did not necessarily resolve the borrower's issue.