Lender profile · HMDA 2023–2025
Central Bank mortgage approval rates & lending data
Central Bank decided 393 mortgage applications and funded 350 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 | 96% | 150 / 156 | 96% | $495K | 144 |
| Home improvement loans | 95% | 35 / 37 | 97% | $155K | 34 |
| Refinance | 94% | 68 / 72 | 99% | $255K | 67 |
| Investment property purchase | 93% | 65 / 70 | 92% | $285K | 60 |
Central Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Utah | 93% | $285K | 382 | 341 |
| Nevada | 50% | $505K | 2 | 1 |
| Ohio | 100% | $135K | 2 | 2 |
| Alaska | 100% | $515K | 1 | 1 |
| Arizona | 100% | $595K | 1 | 1 |
| Idaho | 100% | $545K | 1 | 1 |
| Missouri | 100% | $135K | 1 | 1 |
| South Carolina | 0% | — | 1 | 0 |
| Texas | 100% | $215K | 1 | 1 |
| Washington | 100% | $885K | 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.