Apl mortgage approval rate & lending review
Apl decided 555 mortgage applications and funded 547 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Apl reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Apl at a glance
Approval is 32.2 points above the 66.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Home improvement loans | 98% | 358 / 364 | 100% | $75K | 358 |
| Cash-out refinance | 100% | 88 / 88 | 100% | $145K | 88 |
| Refinance | 98% | 88 / 90 | 100% | $135K | 88 |
Apl lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maryland | 98% | $75K | 528 | 520 |
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 Apl lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Howard County, MD | Home improvement loans | 99% | 192 | 190 |
| Howard County, MD | Cash-out refinance | 100% | 51 | 51 |
| Carroll County, MD | Home improvement loans | 100% | 48 | 48 |
| Howard County, MD | Refinance | 96% | 50 | 48 |
| Anne Arundel County, MD | Home improvement loans | 94% | 32 | 30 |
The county markets where Apl made the most loans. Each link opens that market with every lender ranked.
Questions about Apl
What is Apl's mortgage approval rate?
Apl approved 98.6% of the 555 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 32.2 points above the 66.4% national rate for the same mix of loan types.
How often do borrowers take the loan Apl offers?
Borrowers accepted 100% of the loans Apl 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 Apl make?
The typical home improvement loan loan Apl made was $75K; across all loan types its typical loan ran from $75K to $145K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Apl lend?
Apl decided applications in 5 of the states Fat Boy Data covers, most of them in Maryland, Virginia and Pennsylvania.
Can I apply to Apl directly?
Yes. Apl is a bank or credit union with 3 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Apl'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 Apl treats applications, then get a rate quote from the lender.