Byron Bank mortgage approval rate & lending review
Byron Bank decided 312 mortgage applications and funded 295 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Byron Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Byron Bank at a glance
Approval is 10.0 points above the 84.6% 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% | 128 / 135 | 100% | $165K | 128 |
| Investment property purchase | 98% | 107 / 109 | 100% | $85K | 107 |
Byron Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 94% | $165K | 297 | 280 |
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 Byron Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Winnebago County, IL | Mortgage lenders | 95% | 122 | 116 |
| Winnebago County, IL | Investment property purchase | 98% | 99 | 97 |
The county markets where Byron Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Byron Bank
What is Byron Bank's mortgage approval rate?
Byron Bank approved 94.6% of the 312 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.0 points above the 84.6% national rate for the same mix of loan types.
How often do borrowers take the loan Byron Bank offers?
Borrowers accepted 100% of the loans Byron 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 Byron Bank make?
The typical home purchase mortgage loan Byron Bank made was $165K; across all loan types its typical loan ran from $85K to $165K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Byron Bank lend?
Byron Bank decided applications in 6 of the states Fat Boy Data covers, most of them in Illinois, Wisconsin and Arizona.
Can I apply to Byron Bank directly?
Yes. Byron Bank is a bank or credit union with 3 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Byron 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 Byron Bank treats applications, then get a rate quote from the lender.