Eclipse Bank, Inc. mortgage approval rate & lending review
Eclipse Bank, Inc. decided 283 mortgage applications and funded 252 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Eclipse Bank, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Eclipse Bank, Inc. at a glance
Approval is 6.9 points above the 83.6% 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% | 142 / 149 | 100% | $275K | 142 |
| Refinance | 76% | 29 / 38 | 93% | $295K | 27 |
| Investment property purchase | 94% | 44 / 47 | 98% | $145K | 43 |
| Investment refinance | 85% | 23 / 27 | 100% | $165K | 23 |
Eclipse Bank, Inc. lending by state
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 Eclipse Bank, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, KY | Mortgage lenders | 96% | 110 | 106 |
| Jefferson County, KY | Investment property purchase | 91% | 34 | 30 |
| Jefferson County, KY | Investment refinance | 88% | 25 | 22 |
| Washington County, TN | Mortgage lenders | 95% | 20 | 19 |
| Jefferson County, KY | Refinance | 78% | 23 | 17 |
The county markets where Eclipse Bank, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Eclipse Bank, Inc.
What is Eclipse Bank, Inc.'s mortgage approval rate?
Eclipse Bank, Inc. approved 90.5% of the 283 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.9 points above the 83.6% national rate for the same mix of loan types.
How often do borrowers take the loan Eclipse Bank, Inc. offers?
Borrowers accepted 98% of the loans Eclipse Bank, 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 Eclipse Bank, Inc. make?
The typical home purchase mortgage loan Eclipse Bank, Inc. made was $275K; across all loan types its typical loan ran from $145K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Eclipse Bank, Inc. lend?
Eclipse Bank, Inc. decided applications in 8 of the states Fat Boy Data covers, most of them in Kentucky, Tennessee and Ohio.
Can I apply to Eclipse Bank, Inc. directly?
Yes. Eclipse Bank, Inc. is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Eclipse Bank, 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 Eclipse Bank, Inc. treats applications, then get a rate quote from the lender.