What are my odds for this mortgage?

What are my odds for this mortgage? - 1
Added (1). I have 615-620 score
0 late payments
0 derogatory remarks
Not long credit history (about 3 yrs)
Utilization is a little on the high side (50%)

I make 42000 annually
I pay out 30000 annually

I applied for 75k at my main bank I ve had for my whole time ever. Navy federal. They have my car through them and all my direct deposits go through them. (I have 3)

Credit utilization seems to be my only drawback.

I applied for a first time home owner 30 year

Do I still have a chance?

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