Lender profile · HMDA 2023–2025
Net mortgage approval rates & lending data
Net decided 615 mortgage applications and funded 492 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 | 88% | 77 / 88 | 99% | $165K | 76 |
| Home improvement loans | 83% | 343 / 414 | 100% | $65K | 342 |
| Cash-out refinance | 60% | 24 / 40 | 96% | $65K | 23 |
| Refinance | 72% | 33 / 46 | 100% | $85K | 33 |
Net lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 81% | $65K | 611 | 489 |
| Alabama | 0% | — | 1 | 0 |
| Florida | 100% | $305K | 1 | 1 |
| North Carolina | 100% | $175K | 1 | 1 |
| South Carolina | 100% | $555K | 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.