Ontario Shores mortgage approval rate & lending review
Ontario Shores decided 330 mortgage applications and funded 294 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ontario Shores reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Ontario Shores at a glance
Approval is 24.0 points above the 65.7% 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% | 26 / 27 | 100% | $135K | 26 |
| Home improvement loans | 89% | 243 / 272 | 100% | $45K | 242 |
Ontario Shores lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 90% | $45K | 330 | 294 |
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 Ontario Shores lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Niagara County, NY | Home improvement loans | 89% | 247 | 219 |
| Niagara County, NY | Mortgage lenders | 96% | 25 | 24 |
| Erie County, NY | Home improvement loans | 92% | 25 | 23 |
The county markets where Ontario Shores made the most loans. Each link opens that market with every lender ranked.
Questions about Ontario Shores
What is Ontario Shores's mortgage approval rate?
Ontario Shores approved 89.7% of the 330 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 24.0 points above the 65.7% national rate for the same mix of loan types.
How often do borrowers take the loan Ontario Shores offers?
Borrowers accepted 99% of the loans Ontario Shores 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 Ontario Shores make?
The typical home improvement loan loan Ontario Shores made was $45K; across all loan types its typical loan ran from $45K to $135K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ontario Shores lend?
Ontario Shores decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to Ontario Shores directly?
Yes. Ontario Shores is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Ontario Shores'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 Ontario Shores treats applications, then get a rate quote from the lender.