topic Re: NFCU mortgage application - when will they hard pull my credit? in Mortgage Loans

NFCU mortgage application - when will they hard pull my credit?

DeeBee78 — Thu, 20 Nov 2025 05:32:04 GMT

Currently mulling a NFCU mortgage but not 100% certain I want it since I am not seeing decent rates from them.

I did the pre-qualify thingy, and got the estimates with a soft pull. I went through the more detailed application after that, entering in all my information, connecting my bank accounts, etc. I submitted all that, then was given four tasks to complete - statements, paystubs, w-2's and tax transcripts.

At this point, am I past the hard pull, or will they wait until I submit those documents to hard pull me?

Re: NFCU mortgage application - when will they hard pull my credit?

Ggrayy13 — Thu, 20 Nov 2025 09:37:54 GMT

Did you may the payment for credit report yet? I just closed with a NFCU loan and every time they pulled my credit I had to pay 57.50

Re: NFCU mortgage application - when will they hard pull my credit?

CreditCuriosity — Thu, 20 Nov 2025 11:01:36 GMT

With regards to OP's question I would speculate they already pulled your credit. Do you not have any thing like credit karma etc that would alert you of HP happening? Goto annualcreditreport.com and see if they have pulled you and it is free to check and many other ways of finding out.

Re: NFCU mortgage application - when will they hard pull my credit?

Ggrayy13 — Thu, 20 Nov 2025 11:03:00 GMT

With any mortgage application, there is a standard credit report fee. Navy Federal Credit Union’s policy requires that borrowers pay the credit report fee upfront, along with the appraisal fee when applicable. Unlike many other lenders, NFCU does not charge separate underwriting or lender fees. At the time I submitted my application, I was required to pay the credit report fee as part of the initial application process

Re: NFCU mortgage application - when will they hard pull my credit?

CreditCuriosity — Thu, 20 Nov 2025 11:20:43 GMT

@Ggrayy13 wrote:
With any mortgage application, there is a standard credit report fee. Navy Federal Credit Union’s policy requires that borrowers pay the credit report fee upfront, along with the appraisal fee when applicable. Unlike many other lenders, NFCU does not charge separate underwriting or lender fees. At the time I submitted my application, I was required to pay the credit report fee as part of the initial application process

Ya I thought again about that more after I mentioned it back on my last mortgage although that is in closing costs not up front costs if I recall correctly. Thus removed from original message but you read before I removed and then commented after my removal of comment. Been awhile on mortgage maybe that cost is upfront vs part of closing as well I am doubting myself on time of closing now and you are likley right.

Re: NFCU mortgage application - when will they hard pull my credit?

Ggrayy13 — Thu, 20 Nov 2025 12:06:16 GMT

I completely understand. The last time I applied for a mortgage was nine years ago. You are correct — it is usually a closing cost; however, Navy Federal’s policy is for the borrower to pay the credit report fee upfront. So if the fee was already paid, they likely ran the credit already as well.