Lender profile · HMDA 2023–2025
Ideal mortgage approval rates & lending data
Ideal decided 1,246 mortgage applications and funded 904 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 272 / 292 | 81% | $315K | 221 |
| Home improvement loans | 84% | 636 / 758 | 87% | $65K | 552 |
| Refinance | 85% | 122 / 143 | 76% | $145K | 93 |
Ideal lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Minnesota | 86% | $65K | 1,216 | 879 |
| Wisconsin | 96% | $165K | 25 | 23 |
| Florida | 67% | $185K | 3 | 2 |
| Georgia | 0% | — | 1 | 0 |
| South Carolina | 100% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.