Fortress Bank mortgage approval rate & lending review
Fortress Bank decided 1,045 mortgage applications and funded 1,012 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Fortress Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Fortress Bank at a glance
Approval is 11.6 points above the 86.3% 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 | 98% | 780 / 794 | 99% | $215K | 773 |
| Refinance | 92% | 35 / 38 | 94% | $135K | 33 |
| Investment property purchase | 99% | 148 / 150 | 99% | $85K | 147 |
| Investment refinance | 94% | 29 / 31 | 100% | $65K | 29 |
Fortress Bank 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 Fortress Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Polk County, IA | Mortgage lenders | 99% | 421 | 411 |
| Dallas County, IA | Mortgage lenders | 99% | 107 | 106 |
| Peoria County, IL | Mortgage lenders | 98% | 85 | 82 |
| Tazewell County, IL | Mortgage lenders | 97% | 75 | 72 |
| Peoria County, IL | Investment property purchase | 100% | 69 | 69 |
| Scott County, IA | Mortgage lenders | 96% | 48 | 46 |
The county markets where Fortress Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Fortress Bank
What is Fortress Bank's mortgage approval rate?
Fortress Bank approved 97.9% of the 1,045 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.6 points above the 86.3% national rate for the same mix of loan types.
How often do borrowers take the loan Fortress Bank offers?
Borrowers accepted 99% of the loans Fortress 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 Fortress Bank make?
The typical home purchase mortgage loan Fortress Bank made was $215K; across all loan types its typical loan ran from $65K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Fortress Bank lend?
Fortress Bank decided applications in 21 of the states Fat Boy Data covers, most of them in Iowa, Illinois and Florida.
Can I apply to Fortress Bank directly?
Yes. Fortress Bank 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 Fortress 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 Fortress Bank treats applications, then get a rate quote from the lender.