Lender profile · HMDA 2023–2025
Local Bank mortgage approval rates & lending data
Local Bank decided 403 mortgage applications and funded 392 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 | 99% | 333 / 338 | 99% | $285K | 330 |
| Investment property purchase | 100% | 26 / 26 | 92% | $305K | 24 |
Local Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Alabama | 99% | $285K | 265 | 258 |
| Florida | 97% | $275K | 119 | 115 |
| Texas | 100% | $185K | 3 | 3 |
| Arkansas | 100% | $365K | 2 | 2 |
| Louisiana | 100% | $245K | 2 | 2 |
| Massachusetts | 100% | $465K | 2 | 2 |
| Tennessee | 100% | $235K | 2 | 2 |
| Colorado | 100% | $515K | 1 | 1 |
| Georgia | 100% | $305K | 1 | 1 |
| Illinois | 100% | $215K | 1 | 1 |
| Mississippi | 100% | $165K | 1 | 1 |
| New Jersey | 100% | $1.16M | 1 | 1 |
| New York | 100% | $875K | 1 | 1 |
| North Carolina | 100% | $195K | 1 | 1 |
| Ohio | 100% | $505K | 1 | 1 |
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.