Has anyone had any success appealing the decision or should I just try to improve my situtation and try again in 6 months to a year?
If you give more info on your current situation you will get better responses . As it stands not much to go on. If Navy claims its your dti, its your dti. The only way to improve your chances are by lowering your dti.
More info needed. Are you carrying high balances on multiple card. Scores on TU 9? Derogs?
Navy has done recon on some profiles that are strong enough.
My experience with Nfcu 9 years is whenever you get a decision that states due to DTI denial Nfcu will not reconsider the application. Imo, I would try to lower my debt then reapply in 6 months or a year. Sorry for your denial.