New Horizons Credit Union
New Horizons Credit Union received 220 applications in 2025 and made 136 mortgages, in 6 counties across 2 states. The median rate its borrowers got was 6.990% on a median loan of $100,000. Of 189 decisions, 50 were denials — 26.5%, most often for credit history.
| Legal Entity Identifier | 254900NCN3B66MYC3145 |
|---|---|
| Applications received | 220 |
| Mortgages made | 136 |
| Denied | 50 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 31 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 6.383 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 36 | 5.990% | $300,000 | 7.7% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 35.7% |
| Cash-out refinancing | 43 | 6.990% | $65,000 | 21.4% |
| Other purposes | 48 | 7.500% | $85,000 | 37.5% |
Where New Horizons Credit Union lends most
The 6 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Mobile County, AL | 92 | 7.125% | 31.7% |
| Baldwin County, AL | 39 | 5.990% | 11.4% |
| Clarke County, AL | 2 | Under 10 loans | 0.0% |
| George County, MS | 2 | Under 10 loans | 33.3% |
| Jackson County, MS | 1 | Under 10 loans | 0.0% |
| Washington County, AL | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.