Emigrant Bank mortgage approval rate & lending review
Emigrant Bank decided 356 mortgage applications and funded 244 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Emigrant Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Emigrant Bank at a glance
Approval is 5.0 points below the 83.3% 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 | 84% | 161 / 192 | 88% | $355K | 141 |
| Cash-out refinance | 77% | 20 / 26 | 100% | $355K | 20 |
| Investment property purchase | 69% | 58 / 84 | 79% | $425K | 46 |
Emigrant Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 81% | $275K | 298 | 208 |
| New Jersey | 77% | $555K | 39 | 27 |
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 Emigrant Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bronx County, NY | Mortgage lenders | 92% | 72 | 51 |
The county markets where Emigrant Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Emigrant Bank
What is Emigrant Bank's mortgage approval rate?
Emigrant Bank approved 78.4% of the 356 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.0 points below the 83.3% national rate for the same mix of loan types.
How often do borrowers take the loan Emigrant Bank offers?
Borrowers accepted 87% of the loans Emigrant 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 Emigrant Bank make?
The typical home purchase mortgage loan Emigrant Bank made was $355K; across all loan types its typical loan ran from $355K to $425K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Emigrant Bank lend?
Emigrant Bank decided applications in 6 of the states Fat Boy Data covers, most of them in New York, New Jersey and Florida.
Can I apply to Emigrant Bank directly?
Yes. Emigrant Bank 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 Emigrant 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 Emigrant Bank treats applications, then get a rate quote from the lender.