First National Bank of Scotia mortgage approval rate & lending review
First National Bank of Scotia decided 343 mortgage applications and funded 297 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First National Bank of Scotia reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First National Bank of Scotia at a glance
Approval is 10.9 points above the 78.0% 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 | 99% | 134 / 136 | 99% | $245K | 132 |
| Home improvement loans | 75% | 62 / 83 | 94% | $45K | 58 |
| Refinance | 83% | 55 / 66 | 98% | $105K | 54 |
| Investment property purchase | 95% | 36 / 38 | 100% | $255K | 36 |
First National Bank of Scotia lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 89% | $245K | 343 | 297 |
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 First National Bank of Scotia lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Schenectady County, NY | Mortgage lenders | 97% | 69 | 66 |
| Saratoga County, NY | Mortgage lenders | 100% | 36 | 35 |
| Schenectady County, NY | Home improvement loans | 71% | 52 | 33 |
| Schenectady County, NY | Refinance | 84% | 37 | 31 |
| Albany County, NY | Mortgage lenders | 100% | 21 | 21 |
The county markets where First National Bank of Scotia made the most loans. Each link opens that market with every lender ranked.
Questions about First National Bank of Scotia
What is First National Bank of Scotia's mortgage approval rate?
First National Bank of Scotia approved 88.9% of the 343 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.9 points above the 78.0% national rate for the same mix of loan types.
How often do borrowers take the loan First National Bank of Scotia offers?
Borrowers accepted 97% of the loans First National Bank of Scotia 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 First National Bank of Scotia make?
The typical home purchase mortgage loan First National Bank of Scotia made was $245K; across all loan types its typical loan ran from $45K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First National Bank of Scotia lend?
First National Bank of Scotia decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to First National Bank of Scotia directly?
Yes. First National Bank of Scotia is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First National Bank of Scotia'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 First National Bank of Scotia treats applications, then get a rate quote from the lender.