New Horizons Credit Union mortgage approval rate & lending review
New Horizons Credit Union decided 364 mortgage applications and funded 267 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions New Horizons Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
New Horizons Credit Union at a glance
Approval is 0.7 points above the 74.6% 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 | 86% | 96 / 111 | 99% | $335K | 95 |
| Home improvement loans | 84% | 26 / 31 | 100% | $55K | 26 |
| Cash-out refinance | 72% | 134 / 185 | 96% | $65K | 128 |
| Refinance | 47% | 16 / 34 | 100% | $225K | 16 |
New Horizons Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Alabama | 76% | $65K | 358 | 264 |
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 New Horizons Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Mobile County, AL | Cash-out refinance | 70% | 148 | 99 |
| Baldwin County, AL | Mortgage lenders | 92% | 53 | 48 |
| Mobile County, AL | Mortgage lenders | 83% | 54 | 45 |
| Baldwin County, AL | Cash-out refinance | 86% | 35 | 28 |
| Mobile County, AL | Home improvement loans | 84% | 25 | 21 |
| Mobile County, AL | Refinance | 46% | 24 | 11 |
The county markets where New Horizons Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about New Horizons Credit Union
What is New Horizons Credit Union's mortgage approval rate?
New Horizons Credit Union approved 75.3% of the 364 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.7 points above the 74.6% national rate for the same mix of loan types.
How often do borrowers take the loan New Horizons Credit Union offers?
Borrowers accepted 97% of the loans New Horizons Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does New Horizons Credit Union make?
The typical cash-out refinance loan New Horizons Credit Union made was $65K; across all loan types its typical loan ran from $55K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does New Horizons Credit Union lend?
New Horizons Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Alabama, Mississippi and Florida.
Can I apply to New Horizons Credit Union directly?
Yes. New Horizons Credit Union is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show New Horizons Credit Union'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 New Horizons Credit Union treats applications, then get a rate quote from the lender.