Amboy Bank mortgage approval rate & lending review
Amboy Bank decided 585 mortgage applications and funded 454 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Amboy Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Amboy Bank at a glance
Approval is 9.2 points above the 74.8% 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 | 91% | 41 / 45 | 95% | $305K | 39 |
| Home improvement loans | 75% | 88 / 118 | 95% | $75K | 84 |
| Refinance | 85% | 349 / 409 | 91% | $105K | 318 |
Amboy Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 84% | $105K | 585 | 454 |
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 Amboy Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Middlesex County, NJ | Refinance | 86% | 209 | 164 |
| Monmouth County, NJ | Refinance | 87% | 103 | 82 |
| Middlesex County, NJ | Home improvement loans | 79% | 53 | 41 |
| Ocean County, NJ | Refinance | 80% | 55 | 40 |
| Monmouth County, NJ | Home improvement loans | 69% | 48 | 31 |
The county markets where Amboy Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Amboy Bank
What is Amboy Bank's mortgage approval rate?
Amboy Bank approved 83.9% of the 585 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.2 points above the 74.8% national rate for the same mix of loan types.
How often do borrowers take the loan Amboy Bank offers?
Borrowers accepted 92% of the loans Amboy 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 Amboy Bank make?
The typical mortgage refinance loan Amboy Bank made was $105K; across all loan types its typical loan ran from $75K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Amboy Bank lend?
Amboy Bank decided applications in 1 of the states Fat Boy Data covers, most of them in New Jersey.
Can I apply to Amboy Bank directly?
Yes. Amboy Bank is a bank or credit union with 23 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Amboy 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 Amboy Bank treats applications, then get a rate quote from the lender.