Lender profile · HMDA 2023–2025
FCB Banks mortgage approval rates & lending data
FCB Banks decided 3,253 mortgage applications and funded 2,951 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 | 94% | 1,334 / 1,426 | 100% | $225K | 1,331 |
| Home improvement loans | 86% | 401 / 469 | 99% | $55K | 398 |
| Cash-out refinance | 76% | 28 / 37 | 96% | $175K | 27 |
| Refinance | 85% | 347 / 408 | 99% | $95K | 345 |
| Investment property purchase | 97% | 597 / 616 | 99% | $115K | 593 |
| Investment cash-out refinance | 88% | 98 / 111 | 96% | $125K | 94 |
| Investment refinance | 82% | 51 / 62 | 100% | $155K | 51 |
| Investment home improvement | 91% | 113 / 124 | 99% | $185K | 112 |
FCB Banks lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 91% | $175K | 2,600 | 2,343 |
| Missouri | 93% | $135K | 581 | 537 |
| Florida | 100% | $325K | 31 | 31 |
| Tennessee | 88% | $275K | 8 | 7 |
| Alabama | 100% | $235K | 5 | 5 |
| Nebraska | 100% | $305K | 5 | 5 |
| Indiana | 100% | $675K | 4 | 4 |
| Georgia | 100% | $195K | 3 | 3 |
| Arkansas | 100% | $405K | 2 | 2 |
| Kansas | 100% | $305K | 2 | 2 |
| Michigan | 100% | $185K | 2 | 2 |
| North Carolina | 100% | $395K | 2 | 2 |
| West Virginia | 100% | $465K | 2 | 2 |
| Colorado | 100% | $385K | 1 | 1 |
| Iowa | 100% | $665K | 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.