Cliffco, Inc. mortgage approval rate & lending review
Cliffco, Inc. decided 3,396 mortgage applications and funded 3,102 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Cliffco, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to cliffco.com.
Cliffco, Inc. at a glance
Approval is 6.4 points above the 85.1% 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 | 91% | 2,202 / 2,410 | 100% | $525K | 2,200 |
| Cash-out refinance | 87% | 195 / 223 | 99% | $545K | 194 |
| Refinance | 83% | 57 / 69 | 100% | $425K | 57 |
| Investment property purchase | 93% | 409 / 440 | 100% | $455K | 407 |
| Investment cash-out refinance | 97% | 210 / 217 | 100% | $505K | 210 |
| Investment refinance | 92% | 34 / 37 | 100% | $455K | 34 |
Cliffco, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 92% | $565K | 2,449 | 2,255 |
| Florida | 90% | $325K | 308 | 277 |
| New Jersey | 91% | $485K | 261 | 238 |
| Pennsylvania | 90% | $205K | 69 | 61 |
| Texas | 85% | $245K | 67 | 57 |
| Connecticut | 86% | $415K | 58 | 50 |
| Arizona | 84% | $405K | 50 | 42 |
| Georgia | 93% | $195K | 28 | 26 |
| South Carolina | 86% | $195K | 28 | 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 Cliffco, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Suffolk County, NY | Mortgage lenders | 94% | 646 | 608 |
| Nassau County, NY | Mortgage lenders | 95% | 562 | 533 |
| Queens County, NY | Mortgage lenders | 90% | 244 | 219 |
| Kings County, NY | Mortgage lenders | 85% | 95 | 81 |
| Nassau County, NY | Cash-out refinance | 88% | 58 | 51 |
| New York County, NY | Mortgage lenders | 88% | 57 | 50 |
| Suffolk County, NY | Investment property purchase | 94% | 52 | 48 |
| Bronx County, NY | Mortgage lenders | 85% | 54 | 46 |
| Nassau County, NY | Investment property purchase | 94% | 48 | 45 |
| Queens County, NY | Investment property purchase | 95% | 42 | 40 |
| Suffolk County, NY | Cash-out refinance | 90% | 42 | 37 |
| Kings County, NY | Investment cash-out refinance | 100% | 28 | 28 |
The county markets where Cliffco, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Cliffco, Inc.
What is Cliffco, Inc.'s mortgage approval rate?
Cliffco, Inc. approved 91.5% of the 3,396 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.4 points above the 85.1% national rate for the same mix of loan types.
How often do borrowers take the loan Cliffco, Inc. offers?
Borrowers accepted 100% of the loans Cliffco, Inc. 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 Cliffco, Inc. make?
The typical home purchase mortgage loan Cliffco, Inc. made was $525K; across all loan types its typical loan ran from $425K to $545K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Cliffco, Inc. lend?
Cliffco, Inc. decided applications in 26 of the states Fat Boy Data covers, most of them in New York, Florida and New Jersey.
Can I apply to Cliffco, Inc. directly?
Yes. Cliffco, Inc. reports as a direct lender that takes applications from borrowers. Its website is cliffco.com.
Does this page show Cliffco, Inc.'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 Cliffco, Inc. treats applications, then get a rate quote from the lender.