Lender profile · HMDA 2023–2025
Bank of Clarke mortgage approval rates & lending data
Bank of Clarke decided 486 mortgage applications and funded 410 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 | 92% | 302 / 329 | 99% | $555K | 300 |
| Cash-out refinance | 45% | 13 / 29 | 77% | $195K | 10 |
| Investment property purchase | 86% | 63 / 73 | 97% | $345K | 61 |
Bank of Clarke lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Virginia | 84% | $555K | 358 | 298 |
| Maryland | 91% | $385K | 56 | 50 |
| West Virginia | 87% | $245K | 23 | 19 |
| District of Columbia | 100% | $615K | 7 | 7 |
| Florida | 100% | $245K | 7 | 6 |
| Pennsylvania | 86% | $525K | 7 | 6 |
| North Carolina | 100% | $245K | 6 | 6 |
| Georgia | 100% | $385K | 3 | 3 |
| Indiana | 67% | $335K | 3 | 2 |
| Texas | 100% | $275K | 3 | 3 |
| Illinois | 50% | $165K | 2 | 1 |
| New Jersey | 100% | $335K | 2 | 2 |
| New York | 100% | $405K | 2 | 2 |
| Ohio | 50% | $465K | 2 | 1 |
| California | 100% | $495K | 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.