BNY Mellon, National Association mortgage approval rate & lending review
BNY Mellon, National Association decided 1,203 mortgage applications and funded 1,050 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions BNY Mellon, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
BNY Mellon, National Association at a glance
Approval is 8.2 points above the 85.2% 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 | 96% | 748 / 782 | 93% | $1M | 693 |
| Refinance | 82% | 124 / 151 | 99% | $1.07M | 123 |
| Investment property purchase | 95% | 194 / 205 | 92% | $1.08M | 178 |
| Investment refinance | 82% | 27 / 33 | 100% | $1.22M | 27 |
BNY Mellon, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 90% | $1.21M | 162 | 137 |
| California | 93% | $1.07M | 142 | 120 |
| New York | 91% | $1.17M | 138 | 118 |
| Massachusetts | 96% | $815K | 118 | 109 |
| Texas | 95% | $1.33M | 59 | 55 |
| Georgia | 95% | $885K | 55 | 47 |
| Illinois | 94% | $945K | 47 | 40 |
| New Jersey | 90% | $1M | 40 | 34 |
| Arizona | 92% | $1M | 38 | 33 |
| Pennsylvania | 97% | $785K | 35 | 33 |
| Colorado | 97% | $755K | 34 | 29 |
| South Carolina | 88% | $1.20M | 34 | 29 |
| Virginia | 97% | $1.25M | 33 | 29 |
| North Carolina | 97% | $665K | 31 | 28 |
| Washington | 100% | $1.44M | 29 | 24 |
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 BNY Mellon, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| New York County, NY | Mortgage lenders | 97% | 32 | 27 |
The county markets where BNY Mellon, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about BNY Mellon, National Association
What is BNY Mellon, National Association's mortgage approval rate?
BNY Mellon, National Association approved 93.3% of the 1,203 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.2 points above the 85.2% national rate for the same mix of loan types.
How often do borrowers take the loan BNY Mellon, National Association offers?
Borrowers accepted 93% of the loans BNY Mellon, National Association 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 BNY Mellon, National Association make?
The typical home purchase mortgage loan BNY Mellon, National Association made was $1M; across all loan types its typical loan ran from $1M to $1.22M. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does BNY Mellon, National Association lend?
BNY Mellon, National Association decided applications in 46 of the states Fat Boy Data covers, most of them in Florida, California and New York.
Can I apply to BNY Mellon, National Association directly?
Yes. BNY Mellon, National Association is a bank or credit union with 28 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show BNY Mellon, National Association'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 BNY Mellon, National Association treats applications, then get a rate quote from the lender.