NEIGHBORS Credit Union in Missouri vs the state
21.9%Denial rate+6.82 pts vs state
26.3%Decision denial rate+7.62 pts vs state
61.3%Origination rate-1.39 pts vs state
—Median rate
—Rate spread (pts)
$110kMedian applicant income
473Loans originated
169Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 574 | 341 | 20.9% | — | #68 |
| 2024 | 776 | 444 | 21.7% | — | #61 |
| 2025 | 772 | 473 | 21.9% | — | #66 |
What NEIGHBORS Credit Union lends in Missouri
By loan purpose
By loan type
Where in Missouri
Counties with the most NEIGHBORS Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 442 | 285 | 95 | 21.5% |
| St. Charles County | 139 | 85 | 31 | 22.3% |
| Jefferson County | 80 | 51 | 18 | 22.5% |
| St. Louis city | 68 | 37 | 12 | 17.6% |
| Lincoln County | 9 | 3 | 3 | 33.3% |
| Warren County | 5 | 2 | 1 | 20.0% |
| Franklin County | 4 | 3 | 0 | 0.0% |
| Christian County | 4 | 0 | 3 | 75.0% |
| St. Francois County | 3 | 1 | 2 | 66.7% |
| Clay County | 3 | 1 | 1 | 33.3% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 772 applications in 2025, of which 473 were originated and 169 denied.
21.9% of all applications, or 26.3% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are NEIGHBORS Credit Union's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology