Northfield Bank mortgage approval rate & lending review
Northfield Bank decided 1,796 mortgage applications and funded 842 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Northfield Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Northfield Bank at a glance
Approval is 18.7 points below the 68.9% 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 | 58% | 108 / 186 | 90% | $215K | 97 |
| Home improvement loans | 45% | 495 / 1,099 | 94% | $105K | 463 |
| Refinance | 59% | 273 / 461 | 94% | $155K | 256 |
Northfield Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 54% | $115K | 1,028 | 527 |
| New York | 45% | $105K | 734 | 302 |
| Pennsylvania | 47% | $75K | 34 | 13 |
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 Northfield Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Richmond County, NY | Home improvement loans | 45% | 336 | 141 |
| Richmond County, NY | Refinance | 59% | 101 | 57 |
| Middlesex County, NJ | Home improvement loans | 49% | 112 | 51 |
| Monmouth County, NJ | Home improvement loans | 51% | 79 | 39 |
| Union County, NJ | Home improvement loans | 43% | 87 | 35 |
| Richmond County, NY | Mortgage lenders | 49% | 71 | 30 |
| Middlesex County, NJ | Refinance | 62% | 52 | 29 |
| Mercer County, NJ | Refinance | 63% | 46 | 28 |
| Hunterdon County, NJ | Home improvement loans | 53% | 51 | 27 |
| Mercer County, NJ | Home improvement loans | 54% | 56 | 27 |
| Morris County, NJ | Home improvement loans | 64% | 39 | 23 |
| Union County, NJ | Refinance | 70% | 37 | 23 |
The county markets where Northfield Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Northfield Bank
What is Northfield Bank's mortgage approval rate?
Northfield Bank approved 50.3% of the 1,796 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 18.7 points below the 68.9% national rate for the same mix of loan types.
How often do borrowers take the loan Northfield Bank offers?
Borrowers accepted 93% of the loans Northfield Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Northfield Bank make?
The typical home improvement loan loan Northfield Bank made was $105K; across all loan types its typical loan ran from $105K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Northfield Bank lend?
Northfield Bank decided applications in 3 of the states Fat Boy Data covers, most of them in New Jersey, New York and Pennsylvania.
Can I apply to Northfield Bank directly?
Yes. Northfield Bank is a bank or credit union with 37 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Northfield 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 Northfield Bank treats applications, then get a rate quote from the lender.