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  To determine which loan type had the most variability in rejection rates from 2016 to 2019, you would need access to data on rejection rates for different loan types over that period. Without specific data on rejection rates for various loan types during those years, it's challenging to identify which loan type had the most variability. However, in general, mortgage loans, personal loans, and small business loans tend to have fluctuating rejection rates based on factors such as economic conditions, changes in lending standards, and borrower qualifications. For example, during periods of economic downturns or financial crises, rejection rates for mortgage loans may increase due to tightened lending standards and higher risk aversion among lenders. Similarly, rejection rates for personal loans and small business loans can vary based on factors like creditworthiness, income stability, and business performance. To accurately assess which loan type had the most variability in rejectio

  Navy Federal Credit Union offers a Pledge Loan, also known as a Share Secured Loan. Here's how it generally works: Collateral Requirement : To secure the loan, you pledge your own savings or share account with Navy Federal Credit Union as collateral. The amount you can borrow is typically tied to the value of the collateral you provide. Usually, you can borrow up to 100% of the balance in your savings or share account. Loan Terms : The terms of the loan, including the interest rate, repayment period, and monthly payments, are determined by the credit union. These terms may vary depending on factors such as your creditworthiness, the amount borrowed, and the specific loan product offered by Navy Federal. Interest Rates : Because the loan is secured by your savings or share account, interest rates tend to be lower compared to unsecured loans. The interest rate may be fixed or variable, depending on the terms of the loan. Repayment : You'll need to make regular monthly payments

  If you find yourself falling behind on loan payments, it's crucial to take action promptly to address the situation and avoid further financial consequences. Here are some options that may be available to you: Contact Your Lender : Reach out to your lender as soon as possible to explain your situation. Many lenders offer assistance programs or temporary relief options for borrowers facing financial difficulties. They may be able to offer you a forbearance, loan modification, or alternative payment plan to help you get back on track. Explore Loan Modification : Loan modification involves renegotiating the terms of your loan to make the payments more manageable. This could include extending the loan term, lowering the interest rate, or adjusting the monthly payment amount. However, keep in mind that modifying your loan terms may have long-term implications, so carefully consider the pros and cons before proceeding. Consider Debt Consolidation : If you're struggling to manage mu