Lender profile · HMDA 2023–2025
b1BANK mortgage approval rates & lending data
b1BANK decided 961 mortgage applications and funded 886 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 137 / 151 | 89% | $395K | 122 |
| Home improvement loans | 78% | 46 / 59 | 100% | $95K | 46 |
| Refinance | 98% | 197 / 202 | 97% | $135K | 191 |
| Investment property purchase | 98% | 208 / 213 | 98% | $155K | 203 |
| Investment refinance | 99% | 304 / 308 | 98% | $75K | 299 |
| Investment home improvement | 93% | 26 / 28 | 96% | $105K | 25 |
b1BANK lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Louisiana | 95% | $125K | 779 | 722 |
| Texas | 97% | $295K | 143 | 128 |
| Alabama | 100% | $505K | 16 | 16 |
| Florida | 100% | $805K | 8 | 8 |
| Mississippi | 100% | $275K | 6 | 6 |
| Arkansas | 50% | — | 2 | 0 |
| Michigan | 100% | $605K | 2 | 2 |
| California | 0% | — | 1 | 0 |
| Georgia | 100% | $245K | 1 | 1 |
| Montana | 100% | $205K | 1 | 1 |
| Nevada | 100% | $455K | 1 | 1 |
| Tennessee | 100% | $2.31M | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.