NFCU uses either TU Fico 8 or TU Fico 9 (I can't recall. Hopefully, someone else will chime in with the correct one). Regardless, these will certainly be a different score than the mortgage score your lender provided. And, it is certainly possible that your mortgage score differs wildly from your Fico 8 and/or Fico 9
TU 9 for new credit apps.
EQ 9 for new loan / cloc apps & future CLIs
@Caardvark wrote:NFCU uses either TU Fico 8 or TU Fico 9 (I can't recall. Hopefully, someone else will chime in with the correct one). Regardless, these will certainly be a different score than the mortgage score your lender provided. And, it is certainly possible that your mortgage score differs wildly from your Fico 8 and/or Fico 9
OP -- I see you have a nice income, but how's your DTI? Navy is much more sensitive to DTI than scores -- could this be a factor?
Very low DTI is also while you'll often see those with not so hot credit still get high starting limits from Navy.
Another thought -- of the accounts you listed in your initial post, are any of them new accounts (like in the last 6 months)? If so, how many? While Navy isn't really new account or inquiry sensitive, the number of new accounts (credit seeking behavior) could also be a determining factor for starting limits.
Also please understand that no one is trying to argue with you. We absolutely pick apart posts and ask Qs --- so we can analyze data -- that's how we discover trends. Understanding your profile better gives us data points - and with enough data points from various individuals, we can better understand a lender's reasoning. That's all... it's certainly not meant to harrass you.
Also.. the previous posts regarding your scores is right... the monitoring sites you listed, with the exception of Experian, do not provide FICO scores, they are Vantage - so your actual FICO scores for TU / EQ may be very different (higher or lower). The score your lender provided is likely a mortgage score and, while a FICO version, not the same as what Navy would have used.
Anyway... Navy CCs do tend to grow quickly if you just hang in there and give a little time for your internal score to grow.. hopefully, after a few months they'll have you singing a better tune.
@thornback,
Good insight. What is DTI? Was unable to find definition of it in this forum.
Thanks.
@Anonymous as you know (it is most unfortunate from where I sit), in today's world Bank Tellers, Customer Service folks, and even Personal Bankers are cast into the role of looking like they can perform for us but, in reality they can't do much. All real authority was long ago stripped away by standardization and equity which is achieved through technological systems (or so we are told)! 
Gads, that was a lot of words.
Debt-to-Income.
Debts (monthly) / monthly (gross) income.
*Debts (for the purpose of credit apps) based on what is actually reported to the bureaus -- so add up all of your monthly CC payments and all monthly loan payments and divide that by your monthly income. IF no mortgage, then include your rent payment, if any.