Ixonia Bank mortgage approval rate & lending review
Ixonia Bank decided 17,713 mortgage applications and funded 16,372 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ixonia Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Ixonia Bank at a glance
Approval is 9.1 points above the 86.1% 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 | 96% | 14,173 / 14,801 | 97% | $265K | 13,791 |
| Cash-out refinance | 90% | 727 / 804 | 95% | $295K | 692 |
| Refinance | 95% | 629 / 665 | 96% | $285K | 606 |
| Investment property purchase | 93% | 1,091 / 1,176 | 97% | $195K | 1,059 |
| Investment cash-out refinance | 85% | 121 / 143 | 98% | $185K | 118 |
| Investment refinance | 90% | 76 / 84 | 100% | $165K | 76 |
Ixonia Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 98% | $155K | 2,781 | 2,639 |
| Florida | 93% | $305K | 2,222 | 1,995 |
| Pennsylvania | 96% | $215K | 2,098 | 1,964 |
| Wisconsin | 97% | $265K | 1,683 | 1,606 |
| Illinois | 95% | $215K | 1,478 | 1,375 |
| Colorado | 96% | $405K | 1,227 | 1,135 |
| North Carolina | 98% | $295K | 907 | 879 |
| Indiana | 95% | $255K | 848 | 791 |
| Texas | 92% | $295K | 579 | 499 |
| Tennessee | 92% | $335K | 572 | 515 |
| Minnesota | 99% | $305K | 366 | 355 |
| Connecticut | 91% | $315K | 360 | 325 |
| Washington | 98% | $455K | 272 | 257 |
| Kentucky | 93% | $265K | 178 | 162 |
| Delaware | 89% | $305K | 176 | 147 |
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 Ixonia Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Trumbull County, OH | Mortgage lenders | 99% | 1,183 | 1,147 |
| Mahoning County, OH | Mortgage lenders | 98% | 696 | 659 |
| Cook County, IL | Mortgage lenders | 92% | 507 | 451 |
| Milwaukee County, WI | Mortgage lenders | 98% | 450 | 434 |
| Lackawanna County, PA | Mortgage lenders | 97% | 373 | 355 |
| Mercer County, PA | Mortgage lenders | 95% | 317 | 296 |
| Adams County, CO | Mortgage lenders | 96% | 292 | 270 |
| Will County, IL | Mortgage lenders | 99% | 266 | 256 |
| Lake County, IN | Mortgage lenders | 96% | 256 | 244 |
| Waukesha County, WI | Mortgage lenders | 100% | 246 | 242 |
| Northampton County, PA | Mortgage lenders | 100% | 220 | 215 |
| Columbiana County, OH | Mortgage lenders | 98% | 199 | 190 |
The county markets where Ixonia Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Ixonia Bank
What is Ixonia Bank's mortgage approval rate?
Ixonia Bank approved 95.1% of the 17,713 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.1 points above the 86.1% national rate for the same mix of loan types.
How often do borrowers take the loan Ixonia Bank offers?
Borrowers accepted 97% of the loans Ixonia 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 Ixonia Bank make?
The typical home purchase mortgage loan Ixonia Bank made was $265K; across all loan types its typical loan ran from $165K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ixonia Bank lend?
Ixonia Bank decided applications in 50 of the states Fat Boy Data covers, most of them in Ohio, Florida and Pennsylvania.
Can I apply to Ixonia Bank directly?
Yes. Ixonia Bank is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Ixonia 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 Ixonia Bank treats applications, then get a rate quote from the lender.