b1BANK mortgage approval rate & lending review
b1BANK decided 961 mortgage applications and funded 886 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions b1BANK reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
b1BANK at a glance
Approval is 16.0 points above the 79.5% 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% | 137 / 151 | 89% | $395K | 122 |
| Home improvement loans | 78% | 46 / 59 | 100% | $95K | 46 |
| Refinance | 98% | 197 / 202 | 97% | $135K | 191 |
| Investment property purchase | 98% | 208 / 213 | 98% | $155K | 203 |
| Investment refinance | 99% | 304 / 308 | 98% | $75K | 299 |
| Investment home improvement | 93% | 26 / 28 | 96% | $105K | 25 |
b1BANK lending by state
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 b1BANK lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Calcasieu Parish, LA | Investment refinance | 100% | 68 | 68 |
| Ouachita Parish, LA | Investment refinance | 98% | 41 | 37 |
| Terrebonne Parish, LA | Refinance | 97% | 36 | 35 |
| East Baton Rouge Parish, LA | Investment refinance | 97% | 30 | 29 |
| Calcasieu Parish, LA | Refinance | 97% | 30 | 27 |
| East Baton Rouge Parish, LA | Refinance | 100% | 29 | 27 |
| Calcasieu Parish, LA | Mortgage lenders | 84% | 32 | 24 |
| Jefferson Parish, LA | Investment refinance | 96% | 25 | 24 |
| Bossier Parish, LA | Investment refinance | 100% | 21 | 21 |
| Calcasieu Parish, LA | Investment property purchase | 96% | 23 | 21 |
| Orleans Parish, LA | Investment refinance | 100% | 20 | 20 |
| Caddo Parish, LA | Investment refinance | 95% | 21 | 19 |
The county markets where b1BANK made the most loans. Each link opens that market with every lender ranked.
Questions about b1BANK
What is b1BANK's mortgage approval rate?
b1BANK approved 95.5% of the 961 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.0 points above the 79.5% national rate for the same mix of loan types.
How often do borrowers take the loan b1BANK offers?
Borrowers accepted 97% of the loans b1BANK approved, against 92% for all investment property refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does b1BANK make?
The typical investment property refinance loan b1BANK made was $75K; across all loan types its typical loan ran from $75K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does b1BANK lend?
b1BANK decided applications in 12 of the states Fat Boy Data covers, most of them in Louisiana, Texas and Alabama.
Can I apply to b1BANK directly?
Yes. b1BANK is a bank or credit union with 63 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show b1BANK'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 b1BANK treats applications, then get a rate quote from the lender.