Neighbors Federal 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 F 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%
0th57.4% deniedProcesswithdrawn + incomplete share, weight 15%
53rd11.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 120 | 45 | 40.0% | 50.5% | — | $7.4M |
| 2024 | 802 | 307 | 55.1% | 57.8% | — | $42M |
| 2025 | 789 | 265 | 51.1% | 57.4% | — | $32M |
What Neighbors Federal 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, 8 manufactured homes, 18 investment properties.
Who gets approved at Neighbors Federal 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 | 96 | 9 | 85.9% |
| $50k – $100k | 263 | 69 | 68.1% |
| $100k – $150k | 183 | 78 | 45.6% |
| $150k – $250k | 189 | 82 | 40.9% |
| Over $250k | 47 | 24 | 39.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 91 | 25 | 63.6% |
| 35–44 | 207 | 69 | 60.3% |
| 45–54 | 207 | 77 | 53.2% |
| 55–64 | 154 | 55 | 52.6% |
| 65–74 | 87 | 24 | 62.7% |
| Over 74 | 29 | 11 | 51.9% |
Where Neighbors Federal Credit Union lends
5 states and 28 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Louisiana | 785 | 265 | 50.8% | — | #40 |
Frequently asked questions
Neighbors Federal Credit Union denied 57.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 0th percentile of small mortgage lenders.
In 2025, 7% of its applications were for home purchases, 17% for refinancing (including cash-out), and 76% 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.