American Eagle Financial mortgage approval rate & lending review
American Eagle Financial decided 2,863 mortgage applications and funded 2,217 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions American Eagle Financial reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
American Eagle Financial at a glance
Approval is 7.0 points above the 71.0% 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 | 84% | 352 / 417 | 99% | $325K | 350 |
| Home improvement loans | 77% | 1,065 / 1,382 | 99% | $65K | 1,056 |
| Cash-out refinance | 73% | 45 / 62 | 100% | $285K | 45 |
| Refinance | 79% | 752 / 949 | 99% | $105K | 746 |
| Investment home improvement | 23% | 7 / 30 | 100% | $65K | 7 |
American Eagle Financial lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Connecticut | 78% | $105K | 2,781 | 2,161 |
| Massachusetts | 70% | $125K | 82 | 56 |
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 American Eagle Financial lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Capitol Planning Region, CT | Home improvement loans | 78% | 1,070 | 830 |
| Capitol Planning Region, CT | Refinance | 79% | 713 | 557 |
| Capitol Planning Region, CT | Mortgage lenders | 84% | 285 | 237 |
| Lower Connecticut River Valley Planning Region, CT | Home improvement loans | 78% | 88 | 69 |
| Lower Connecticut River Valley Planning Region, CT | Refinance | 79% | 75 | 59 |
| South Central Connecticut Planning Region, CT | Home improvement loans | 75% | 73 | 55 |
| Naugatuck Valley Planning Region, CT | Refinance | 84% | 50 | 42 |
| Naugatuck Valley Planning Region, CT | Home improvement loans | 64% | 59 | 38 |
| South Central Connecticut Planning Region, CT | Refinance | 84% | 43 | 35 |
| Lower Connecticut River Valley Planning Region, CT | Mortgage lenders | 97% | 34 | 33 |
| Naugatuck Valley Planning Region, CT | Mortgage lenders | 90% | 30 | 27 |
| Southeastern Connecticut Planning Region, CT | Home improvement loans | 84% | 31 | 25 |
The county markets where American Eagle Financial made the most loans. Each link opens that market with every lender ranked.
Questions about American Eagle Financial
What is American Eagle Financial's mortgage approval rate?
American Eagle Financial approved 78.1% of the 2,863 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.0 points above the 71.0% national rate for the same mix of loan types.
How often do borrowers take the loan American Eagle Financial offers?
Borrowers accepted 99% of the loans American Eagle Financial approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does American Eagle Financial make?
The typical home improvement loan loan American Eagle Financial made was $65K; across all loan types its typical loan ran from $65K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does American Eagle Financial lend?
American Eagle Financial decided applications in 2 of the states Fat Boy Data covers, most of them in Connecticut and Massachusetts.
Can I apply to American Eagle Financial directly?
Yes. American Eagle Financial is a bank or credit union with 19 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show American Eagle Financial'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 American Eagle Financial treats applications, then get a rate quote from the lender.