We had a mixed experience with Navy Federal. The pre-approval process was quick, and easy with their online web app. We had a poor experience when our loan officer gave us an estimated interest rate that was over a full percentage point less than what we were given after having our offer accepted. When we inquired why, she said it was a mistake on her part, that she failed to rectify after going over the details many times. After we escalated with the supervisor and shopped around, Navy Federal came back to us with a better loan offer than originally started. The rest of the process went pretty smoothly after, and was able to close relatively quickly.