Pioneer Bank, National Association mortgage approval rate & lending review
Pioneer Bank, National Association decided 686 mortgage applications and funded 495 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Pioneer Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Pioneer Bank, National Association at a glance
Approval is 7.9 points above the 67.7% 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 | 79% | 33 / 42 | 97% | $205K | 32 |
| Home improvement loans | 77% | 354 / 458 | 95% | $85K | 337 |
| Refinance | 70% | 112 / 161 | 96% | $125K | 107 |
Pioneer Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 76% | $85K | 686 | 495 |
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 Pioneer Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Albany County, NY | Home improvement loans | 76% | 157 | 113 |
| Rensselaer County, NY | Home improvement loans | 78% | 147 | 112 |
| Saratoga County, NY | Home improvement loans | 77% | 101 | 72 |
| Albany County, NY | Refinance | 65% | 62 | 39 |
| Schenectady County, NY | Home improvement loans | 80% | 51 | 39 |
| Rensselaer County, NY | Refinance | 75% | 48 | 34 |
| Saratoga County, NY | Refinance | 71% | 28 | 18 |
| Schenectady County, NY | Refinance | 73% | 22 | 16 |
The county markets where Pioneer Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Pioneer Bank, National Association
What is Pioneer Bank, National Association's mortgage approval rate?
Pioneer Bank, National Association approved 75.7% of the 686 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.9 points above the 67.7% national rate for the same mix of loan types.
How often do borrowers take the loan Pioneer Bank, National Association offers?
Borrowers accepted 95% of the loans Pioneer Bank, National Association 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 Pioneer Bank, National Association make?
The typical home improvement loan loan Pioneer Bank, National Association made was $85K; across all loan types its typical loan ran from $85K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Pioneer Bank, National Association lend?
Pioneer Bank, National Association decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to Pioneer Bank, National Association directly?
Yes. Pioneer Bank, National Association is a bank or credit union with 48 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Pioneer Bank, National Association'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 Pioneer Bank, National Association treats applications, then get a rate quote from the lender.