Bridgewater Bank mortgage approval rate & lending review
Bridgewater Bank decided 523 mortgage applications and funded 488 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bridgewater Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bridgewater Bank at a glance
Approval is 11.9 points above the 86.2% 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 | 100% | 26 / 26 | 100% | $845K | 26 |
| Investment property purchase | 99% | 453 / 459 | 95% | $245K | 430 |
Bridgewater Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Minnesota | 98% | $245K | 500 | 465 |
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 Bridgewater Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hennepin County, MN | Investment property purchase | 98% | 253 | 239 |
| Ramsey County, MN | Investment property purchase | 100% | 57 | 53 |
| Dakota County, MN | Investment property purchase | 100% | 44 | 40 |
| Anoka County, MN | Investment property purchase | 96% | 27 | 24 |
The county markets where Bridgewater Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Bridgewater Bank
What is Bridgewater Bank's mortgage approval rate?
Bridgewater Bank approved 98.1% of the 523 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.9 points above the 86.2% national rate for the same mix of loan types.
How often do borrowers take the loan Bridgewater Bank offers?
Borrowers accepted 95% of the loans Bridgewater Bank approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bridgewater Bank make?
The typical investment property mortgage loan Bridgewater Bank made was $245K; across all loan types its typical loan ran from $245K to $845K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bridgewater Bank lend?
Bridgewater Bank decided applications in 9 of the states Fat Boy Data covers, most of them in Minnesota, Florida and Arizona.
Can I apply to Bridgewater Bank directly?
Yes. Bridgewater Bank is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bridgewater 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 Bridgewater Bank treats applications, then get a rate quote from the lender.