Ives Bank mortgage approval rate & lending review
Ives Bank decided 440 mortgage applications and funded 385 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ives Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Ives Bank at a glance
Approval is 2.7 points above the 85.5% 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 | 92% | 305 / 332 | 99% | $465K | 303 |
| Cash-out refinance | 68% | 17 / 25 | 100% | $405K | 17 |
| Refinance | 76% | 19 / 25 | 100% | $405K | 19 |
| Investment property purchase | 81% | 38 / 47 | 97% | $355K | 37 |
Ives Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Connecticut | 88% | $465K | 423 | 369 |
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 Ives Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Western Connecticut Planning Region, CT | Mortgage lenders | 91% | 250 | 227 |
| Greater Bridgeport Planning Region, CT | Mortgage lenders | 100% | 32 | 32 |
| Western Connecticut Planning Region, CT | Investment property purchase | 81% | 31 | 24 |
| Western Connecticut Planning Region, CT | Cash-out refinance | 73% | 22 | 16 |
The county markets where Ives Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Ives Bank
What is Ives Bank's mortgage approval rate?
Ives Bank approved 88.2% of the 440 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.7 points above the 85.5% national rate for the same mix of loan types.
How often do borrowers take the loan Ives Bank offers?
Borrowers accepted 99% of the loans Ives 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 Ives Bank make?
The typical home purchase mortgage loan Ives Bank made was $465K; across all loan types its typical loan ran from $355K to $465K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ives Bank lend?
Ives Bank decided applications in 2 of the states Fat Boy Data covers, most of them in Connecticut and New York.
Can I apply to Ives Bank directly?
Yes. Ives Bank is a bank or credit union with 16 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Ives 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 Ives Bank treats applications, then get a rate quote from the lender.