Alden State Bank mortgage approval rate & lending review
Alden State Bank decided 272 mortgage applications and funded 206 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Alden State Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Alden State Bank at a glance
Approval is 4.2 points above the 77.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 55 / 60 | 89% | $255K | 49 |
| Home improvement loans | 76% | 35 / 46 | 97% | $45K | 34 |
| Refinance | 75% | 84 / 112 | 99% | $105K | 83 |
| Investment refinance | 86% | 24 / 28 | 88% | $115K | 21 |
Alden State Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 82% | $105K | 272 | 206 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Alden State Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Erie County, NY | Refinance | 75% | 110 | 81 |
| Erie County, NY | Mortgage lenders | 95% | 42 | 35 |
| Erie County, NY | Home improvement loans | 76% | 41 | 30 |
The county markets where Alden State Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Alden State Bank
What is Alden State Bank's mortgage approval rate?
Alden State Bank approved 81.6% of the 272 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.2 points above the 77.4% national rate for the same mix of loan types.
How often do borrowers take the loan Alden State Bank offers?
Borrowers accepted 93% of the loans Alden State Bank approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Alden State Bank make?
The typical mortgage refinance loan Alden State Bank made was $105K; across all loan types its typical loan ran from $45K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Alden State Bank lend?
Alden State Bank decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to Alden State Bank directly?
Yes. Alden State Bank is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Alden State Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Alden State Bank treats applications, then get a rate quote from the lender.