Pathfinder Bank mortgage approval rate & lending review
Pathfinder Bank decided 465 mortgage applications and funded 396 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Pathfinder Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Pathfinder Bank at a glance
Approval is 10.0 points above the 79.9% 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 | 96% | 234 / 244 | 95% | $135K | 223 |
| Home improvement loans | 71% | 50 / 70 | 92% | $45K | 46 |
| Cash-out refinance | 84% | 52 / 62 | 96% | $95K | 50 |
| Refinance | 84% | 21 / 25 | 86% | $85K | 18 |
| Investment property purchase | 97% | 38 / 39 | 95% | $125K | 36 |
Pathfinder Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 90% | $135K | 458 | 390 |
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 Pathfinder Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oswego County, NY | Mortgage lenders | 97% | 152 | 141 |
| Onondaga County, NY | Mortgage lenders | 95% | 81 | 73 |
| Oswego County, NY | Cash-out refinance | 86% | 43 | 36 |
| Oswego County, NY | Home improvement loans | 67% | 51 | 30 |
| Oswego County, NY | Investment property purchase | 100% | 22 | 21 |
The county markets where Pathfinder Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Pathfinder Bank
What is Pathfinder Bank's mortgage approval rate?
Pathfinder Bank approved 89.9% of the 465 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.0 points above the 79.9% national rate for the same mix of loan types.
How often do borrowers take the loan Pathfinder Bank offers?
Borrowers accepted 95% of the loans Pathfinder 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 Pathfinder Bank make?
The typical home purchase mortgage loan Pathfinder Bank made was $135K; 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 Pathfinder Bank lend?
Pathfinder Bank decided applications in 7 of the states Fat Boy Data covers, most of them in New York, South Carolina and Delaware.
Can I apply to Pathfinder Bank directly?
Yes. Pathfinder Bank is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Pathfinder 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 Pathfinder Bank treats applications, then get a rate quote from the lender.