Carrollton Bank mortgage approval rate & lending review
Carrollton Bank decided 2,762 mortgage applications and funded 2,551 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Carrollton Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Carrollton Bank at a glance
Approval is 10.0 points above the 83.2% 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% | 1,474 / 1,536 | 100% | $145K | 1,472 |
| Home improvement loans | 84% | 174 / 207 | 99% | $65K | 172 |
| Cash-out refinance | 72% | 50 / 69 | 100% | $125K | 50 |
| Refinance | 87% | 205 / 235 | 100% | $165K | 205 |
| Investment property purchase | 95% | 515 / 544 | 97% | $105K | 500 |
| Investment refinance | 87% | 102 / 117 | 100% | $125K | 102 |
| Investment home improvement | 96% | 52 / 54 | 96% | $95K | 50 |
Carrollton Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 95% | $145K | 1,555 | 1,460 |
| Missouri | 91% | $145K | 1,109 | 997 |
| Florida | 98% | $575K | 43 | 42 |
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 Carrollton Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Madison County, IL | Mortgage lenders | 97% | 537 | 519 |
| St. Clair County, IL | Mortgage lenders | 96% | 269 | 258 |
| St. Charles County, MO | Mortgage lenders | 96% | 177 | 170 |
| Madison County, IL | Investment property purchase | 95% | 167 | 153 |
| St. Louis County, MO | Mortgage lenders | 93% | 141 | 131 |
| St. Louis city, MO | Mortgage lenders | 93% | 141 | 131 |
| Sangamon County, IL | Mortgage lenders | 97% | 130 | 126 |
| Jefferson County, MO | Mortgage lenders | 96% | 73 | 70 |
| Madison County, IL | Refinance | 90% | 71 | 64 |
| Sangamon County, IL | Investment property purchase | 98% | 64 | 62 |
| Madison County, IL | Home improvement loans | 88% | 64 | 56 |
| St. Louis County, MO | Investment property purchase | 89% | 64 | 56 |
The county markets where Carrollton Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Carrollton Bank
What is Carrollton Bank's mortgage approval rate?
Carrollton Bank approved 93.1% of the 2,762 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.0 points above the 83.2% national rate for the same mix of loan types.
How often do borrowers take the loan Carrollton Bank offers?
Borrowers accepted 99% of the loans Carrollton 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 Carrollton Bank make?
The typical home purchase mortgage loan Carrollton Bank made was $145K; across all loan types its typical loan ran from $65K to $165K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Carrollton Bank lend?
Carrollton Bank decided applications in 28 of the states Fat Boy Data covers, most of them in Illinois, Missouri and Florida.
Can I apply to Carrollton Bank directly?
Yes. Carrollton Bank is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Carrollton 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 Carrollton Bank treats applications, then get a rate quote from the lender.