BCB Community Bank mortgage approval rate & lending review
BCB Community Bank decided 292 mortgage applications and funded 237 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions BCB Community Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
BCB Community Bank at a glance
Approval is 10.4 points above the 73.8% 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 | 85% | 56 / 66 | 100% | $425K | 56 |
| Home improvement loans | 80% | 83 / 104 | 95% | $155K | 79 |
| Refinance | 84% | 51 / 61 | 98% | $175K | 50 |
| Investment refinance | 97% | 29 / 30 | 93% | $405K | 27 |
BCB Community Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 84% | $135K | 259 | 211 |
| New York | 89% | $255K | 27 | 21 |
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 BCB Community Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hudson County, NJ | Home improvement loans | 88% | 26 | 22 |
| Hudson County, NJ | Refinance | 86% | 21 | 18 |
The county markets where BCB Community Bank made the most loans. Each link opens that market with every lender ranked.
Questions about BCB Community Bank
What is BCB Community Bank's mortgage approval rate?
BCB Community Bank approved 84.2% of the 292 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.4 points above the 73.8% national rate for the same mix of loan types.
How often do borrowers take the loan BCB Community Bank offers?
Borrowers accepted 96% of the loans BCB Community Bank 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 BCB Community Bank make?
The typical home improvement loan loan BCB Community Bank made was $155K; across all loan types its typical loan ran from $155K to $425K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does BCB Community Bank lend?
BCB Community Bank decided applications in 4 of the states Fat Boy Data covers, most of them in New Jersey, New York and Florida.
Can I apply to BCB Community Bank directly?
Yes. BCB Community Bank is a bank or credit union with 27 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show BCB Community 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 BCB Community Bank treats applications, then get a rate quote from the lender.