Unfortunately, your request for credit has not met Navy Federal lending criteria for approval. You will receive additional notification by mail at your address of record within the next 5-7 normal mail delivery days which will provide an explanation for the decision. This letter will also explain the appeals process that you may initiate.
No biggie, have a paid off auto loan, 10k cloc, nrewards card, credits majorly improved since becoming a member, guess it's just a sign to not apply for anything else for 2 years or so, thats my new goal, my debt to income is very low now so i'm thinking my income or inquiries is the factor
