Bluestone Bank mortgage approval rate & lending review
Bluestone Bank decided 875 mortgage applications and funded 747 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bluestone Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bluestone Bank at a glance
Approval is 8.3 points above the 79.1% 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 | 89% | 380 / 427 | 99% | $375K | 375 |
| Home improvement loans | 88% | 127 / 145 | 98% | $105K | 125 |
| Cash-out refinance | 83% | 119 / 144 | 95% | $205K | 113 |
| Refinance | 88% | 44 / 50 | 98% | $485K | 43 |
| Investment property purchase | 88% | 66 / 75 | 94% | $525K | 62 |
| Investment refinance | 83% | 25 / 30 | 100% | $675K | 25 |
Bluestone Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 88% | $375K | 849 | 730 |
| Rhode Island | 70% | $385K | 23 | 14 |
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 Bluestone Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Plymouth County, MA | Mortgage lenders | 89% | 204 | 178 |
| Bristol County, MA | Mortgage lenders | 90% | 93 | 84 |
| Plymouth County, MA | Cash-out refinance | 88% | 80 | 68 |
| Plymouth County, MA | Home improvement loans | 87% | 71 | 62 |
| Norfolk County, MA | Mortgage lenders | 88% | 60 | 53 |
| Bristol County, MA | Home improvement loans | 88% | 42 | 37 |
| Bristol County, MA | Cash-out refinance | 84% | 31 | 25 |
| Plymouth County, MA | Investment property purchase | 88% | 26 | 22 |
| Plymouth County, MA | Refinance | 83% | 23 | 19 |
| Norfolk County, MA | Cash-out refinance | 62% | 21 | 12 |
The county markets where Bluestone Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Bluestone Bank
What is Bluestone Bank's mortgage approval rate?
Bluestone Bank approved 87.4% of the 875 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.3 points above the 79.1% national rate for the same mix of loan types.
How often do borrowers take the loan Bluestone Bank offers?
Borrowers accepted 98% of the loans Bluestone 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 Bluestone Bank make?
The typical home purchase mortgage loan Bluestone Bank made was $375K; across all loan types its typical loan ran from $105K to $675K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bluestone Bank lend?
Bluestone Bank decided applications in 3 of the states Fat Boy Data covers, most of them in Massachusetts, Rhode Island and New Hampshire.
Can I apply to Bluestone Bank directly?
Yes. Bluestone Bank is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bluestone 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 Bluestone Bank treats applications, then get a rate quote from the lender.