Applications / Mortgage Analytics / Lenders / Missouri / Neighbors Credit Union
Saint Louis, MO · Credit union · NCUA · $561 million assets · 492 loans in 2025
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492
loans originated, 2025
800
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Neighbors Credit Union, a Missouri credit union, lends mostly to people who already own their homes, and its loans rose 8% in 2025.
Home improvement made up 40.0% of its loans and other purposes 26.2%. Refinances were 17.5% and purchases 16.3%. Its typical loan, $105,000, matched that of similar lenders (credit unions making between half and twice as many loans).
Originations rose 8% to 492, near the middle of similar lenders, whose typical growth was 6%. Its count jumped from 160 in 2021 to 538 in 2022 and has stayed well above its earlier level since. The data do not show what drove the jump.
In St. Louis, IL-MO, where it has lent since 1993, it ranked 55 of 637 lenders with 0.4% of the market, unchanged from 2024; Guild Mortgage Company led. It is a small lender elsewhere, ranking 599 of 659 in Kansas City, KS-MO.
Low- and moderate-income (LMI) neighborhoods took 11.8% of its loans, against 15.4% at similar lenders, lower than at nearly four in five, and 19.5% in 2020. Where its home-improvement borrowers live may account for it. LMI borrowers took 28.5%, close to peers' 27.6%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Neighbors Credit Union took 800 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 40.0% · Other 26.2% · Refinance 17.5% · Purchase 16.3%
Conventional 100.0% · of 492 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 473 | 96.1% |
| Illinois | 19 | 3.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 485 |
| Kansas City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300I67S0IYUQWFJ07 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 831491 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562905 | 1993–2017 |
Established 1 January 1928. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Neighbors Credit Union's data.
Neighbors Credit Union's data
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Neighbors Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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