Bison State Bank mortgage approval rate & lending review
Bison State Bank decided 725 mortgage applications and funded 658 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bison State Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bison State Bank at a glance
Approval is 12.0 points above the 82.5% 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 | 95% | 350 / 369 | 96% | $415K | 336 |
| Cash-out refinance | 89% | 49 / 55 | 98% | $365K | 48 |
| Refinance | 96% | 167 / 174 | 98% | $535K | 164 |
| Investment property purchase | 93% | 57 / 61 | 98% | $385K | 56 |
| Investment refinance | 94% | 46 / 49 | 89% | $405K | 41 |
Bison State Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 91% | $335K | 96 | 79 |
| Kansas | 87% | $335K | 93 | 73 |
| Texas | 90% | $475K | 61 | 52 |
| California | 97% | $675K | 58 | 56 |
| Florida | 94% | $405K | 48 | 45 |
| New Jersey | 98% | $555K | 40 | 38 |
| Washington | 100% | $575K | 38 | 38 |
| North Carolina | 100% | $515K | 27 | 26 |
| Virginia | 100% | $545K | 24 | 23 |
| Illinois | 100% | $445K | 22 | 22 |
| Massachusetts | 95% | $585K | 21 | 20 |
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.
Questions about Bison State Bank
What is Bison State Bank's mortgage approval rate?
Bison State Bank approved 94.5% of the 725 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.0 points above the 82.5% national rate for the same mix of loan types.
How often do borrowers take the loan Bison State Bank offers?
Borrowers accepted 96% of the loans Bison State Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bison State Bank make?
The typical home purchase mortgage loan Bison State Bank made was $415K; across all loan types its typical loan ran from $365K to $535K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bison State Bank lend?
Bison State Bank decided applications in 42 of the states Fat Boy Data covers, most of them in Missouri, Kansas and Texas.
Can I apply to Bison State Bank directly?
Yes. Bison State Bank is a bank or credit union with 2 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bison State 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 Bison State Bank treats applications, then get a rate quote from the lender.