NEIGHBORS Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
11th26.2% deniedProcesswithdrawn + incomplete share, weight 15%
29th16.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 590 | 352 | 20.7% | 25.7% | — | $26M |
| 2024 | 798 | 454 | 21.7% | 27.6% | — | $57M |
| 2025 | 800 | 492 | 21.9% | 26.2% | — | $68M |
What NEIGHBORS Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 5 manufactured homes, 14 investment properties.
Who gets approved at NEIGHBORS Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 106 | 33 | 60.7% |
| $50k – $100k | 241 | 128 | 33.3% |
| $100k – $150k | 168 | 116 | 17.7% |
| $150k – $250k | 170 | 130 | 11.6% |
| Over $250k | 111 | 84 | 16.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 94 | 57 | 32.9% |
| 35–44 | 221 | 148 | 20.9% |
| 45–54 | 197 | 114 | 30.9% |
| 55–64 | 141 | 81 | 24.3% |
| 65–74 | 114 | 72 | 25.8% |
| Over 74 | 27 | 17 | 15.0% |
Where NEIGHBORS Credit Union lends
3 states and 24 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
NEIGHBORS Credit Union denied 26.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 11th percentile of small mortgage lenders.
In 2025, 13% of its applications were for home purchases, 16% for refinancing (including cash-out), and 71% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.