Helm Bank USA mortgage approval rate & lending review
Helm Bank USA decided 638 mortgage applications and funded 546 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Helm Bank USA reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Helm Bank USA at a glance
Approval is 2.3 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 | 77% | 20 / 26 | 95% | $815K | 19 |
| Investment property purchase | 92% | 490 / 534 | 97% | $365K | 476 |
| Investment refinance | 69% | 50 / 72 | 96% | $475K | 48 |
Helm Bank USA lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 89% | $365K | 638 | 546 |
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 Helm Bank USA lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Miami-Dade County, FL | Investment property purchase | 89% | 182 | 155 |
| Orange County, FL | Investment property purchase | 98% | 123 | 119 |
| Osceola County, FL | Investment property purchase | 92% | 48 | 43 |
| Broward County, FL | Investment property purchase | 84% | 44 | 35 |
| Polk County, FL | Investment property purchase | 87% | 30 | 26 |
| Lake County, FL | Investment property purchase | 100% | 25 | 25 |
| Miami-Dade County, FL | Investment refinance | 62% | 40 | 24 |
The county markets where Helm Bank USA made the most loans. Each link opens that market with every lender ranked.
Questions about Helm Bank USA
What is Helm Bank USA's mortgage approval rate?
Helm Bank USA approved 88.6% of the 638 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.3 points above the 86.3% national rate for the same mix of loan types.
How often do borrowers take the loan Helm Bank USA offers?
Borrowers accepted 97% of the loans Helm Bank USA approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Helm Bank USA make?
The typical investment property mortgage loan Helm Bank USA made was $365K; across all loan types its typical loan ran from $365K to $815K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Helm Bank USA lend?
Helm Bank USA decided applications in 1 of the states Fat Boy Data covers, most of them in Florida.
Can I apply to Helm Bank USA directly?
Yes. Helm Bank USA is a bank or credit union with 2 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Helm Bank USA'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 Helm Bank USA treats applications, then get a rate quote from the lender.