Amalgamated Bank mortgage approval rate & lending review
Amalgamated Bank decided 752 mortgage applications and funded 695 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Amalgamated Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Amalgamated Bank at a glance
Approval is 7.9 points above the 86.6% 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 | 95% | 599 / 628 | 98% | $285K | 589 |
| Investment property purchase | 95% | 70 / 74 | 93% | $395K | 65 |
Amalgamated Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 95% | $285K | 532 | 499 |
| New Jersey | 93% | $465K | 29 | 23 |
| District of Columbia | 92% | $445K | 25 | 22 |
| California | 86% | $275K | 22 | 19 |
| Maryland | 100% | $515K | 20 | 20 |
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 Amalgamated Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| New York County, NY | Mortgage lenders | 97% | 147 | 141 |
| Kings County, NY | Mortgage lenders | 95% | 144 | 133 |
| Queens County, NY | Mortgage lenders | 95% | 85 | 81 |
| Bronx County, NY | Mortgage lenders | 99% | 68 | 66 |
The county markets where Amalgamated Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Amalgamated Bank
What is Amalgamated Bank's mortgage approval rate?
Amalgamated Bank approved 94.5% of the 752 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.9 points above the 86.6% national rate for the same mix of loan types.
How often do borrowers take the loan Amalgamated Bank offers?
Borrowers accepted 98% of the loans Amalgamated Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Amalgamated Bank make?
The typical home purchase mortgage loan Amalgamated Bank made was $285K; across all loan types its typical loan ran from $285K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Amalgamated Bank lend?
Amalgamated Bank decided applications in 27 of the states Fat Boy Data covers, most of them in New York, New Jersey and District of Columbia.
Can I apply to Amalgamated Bank directly?
Yes. Amalgamated Bank is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Amalgamated 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 Amalgamated Bank treats applications, then get a rate quote from the lender.