Bank of Marin mortgage approval rate & lending review
Bank of Marin decided 700 mortgage applications and funded 508 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bank of Marin reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bank of Marin at a glance
Approval is 11.6 points above the 67.7% 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 | 100% | 40 / 40 | 95% | $615K | 38 |
| Home improvement loans | 75% | 283 / 377 | 91% | $155K | 257 |
| Refinance | 83% | 155 / 186 | 95% | $155K | 148 |
| Investment refinance | 83% | 25 / 30 | 84% | $105K | 21 |
| Investment home improvement | 75% | 44 / 59 | 86% | $105K | 38 |
Bank of Marin lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 79% | $155K | 700 | 508 |
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 Bank of Marin lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Marin County, CA | Home improvement loans | 75% | 161 | 108 |
| Marin County, CA | Refinance | 85% | 102 | 82 |
| Sonoma County, CA | Home improvement loans | 72% | 82 | 53 |
| San Francisco County, CA | Mortgage lenders | 100% | 39 | 37 |
| Alameda County, CA | Home improvement loans | 81% | 43 | 30 |
| Napa County, CA | Home improvement loans | 74% | 39 | 27 |
| Sonoma County, CA | Refinance | 86% | 28 | 24 |
| Sacramento County, CA | Home improvement loans | 85% | 20 | 16 |
The county markets where Bank of Marin made the most loans. Each link opens that market with every lender ranked.
Questions about Bank of Marin
What is Bank of Marin's mortgage approval rate?
Bank of Marin approved 79.3% of the 700 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.6 points above the 67.7% national rate for the same mix of loan types.
How often do borrowers take the loan Bank of Marin offers?
Borrowers accepted 92% of the loans Bank of Marin 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 Bank of Marin make?
The typical home improvement loan loan Bank of Marin made was $155K; across all loan types its typical loan ran from $105K to $615K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bank of Marin lend?
Bank of Marin decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to Bank of Marin directly?
Yes. Bank of Marin is a bank or credit union with 29 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bank of Marin'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 Bank of Marin treats applications, then get a rate quote from the lender.