Navy Federal Credit Union Mortgage vs. LightStream Auto Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
Navy Federal Credit Union Mortgage
Navy Federal Credit Union
4.7
VA mortgage specialist for military members. No PMI, 0% down available, and consistently competitive rates.
Full review →
WealthSpott Verdict
Navy Federal Credit Union Mortgage wins on more measurable categories — particularly on rate and cost. LightStream Auto Loan may still be the right fit depending on your loan amount and term needs.
Feature
Navy Federal Credit
LightStream Auto Loan
APR Range
6.10% – 7.80% Best
6.49% – 20.49%
Loan Amount
$50,000 – $2,000,000 Best
$5,000 – $100,000
Term Length
120–360 months
24–84 months
Origination Fee
No origination fee on VA loans
None
Min Credit Score
620+ Best
660+
Funding Speed
30–45 days
Same day
Navy Federal Credit Union Mortgage
LightStream Auto Loan
Pros
- Very competitive rates
- Very competitive rates
- Same-day funding
- Same-day funding
- No fees
- No fees
Cons
- Best for strong credit
- Best for strong credit
- Online only
- Online only
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