Neighbors mortgage approval rate & lending review
Neighbors decided 587 mortgage applications and funded 446 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Neighbors reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Neighbors at a glance
Approval is 7.2 points above the 68.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 77% | 68 / 88 | 100% | $215K | 68 |
| Home improvement loans | 73% | 294 / 401 | 100% | $55K | 294 |
| Refinance | 84% | 54 / 64 | 100% | $105K | 54 |
Neighbors lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Neighbors lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| St. Charles County, MO | Home improvement loans | 78% | 129 | 100 |
| Jefferson County, MO | Home improvement loans | 75% | 88 | 66 |
| St. Louis County, MO | Home improvement loans | 70% | 80 | 56 |
| St. Louis city, MO | Home improvement loans | 70% | 80 | 56 |
| St. Charles County, MO | Refinance | 79% | 38 | 30 |
The county markets where Neighbors made the most loans. Each link opens that market with every lender ranked.
Questions about Neighbors
What is Neighbors's mortgage approval rate?
Neighbors approved 76.0% of the 587 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.2 points above the 68.8% national rate for the same mix of loan types.
How often do borrowers take the loan Neighbors offers?
Borrowers accepted 100% of the loans Neighbors approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Neighbors make?
The typical home improvement loan loan Neighbors made was $55K; across all loan types its typical loan ran from $55K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Neighbors lend?
Neighbors decided applications in 3 of the states Fat Boy Data covers, most of them in Missouri, Illinois and Georgia.
Can I apply to Neighbors directly?
Yes. Neighbors is a bank or credit union with 20 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Neighbors's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Neighbors treats applications, then get a rate quote from the lender.