Ponce Bank, National Association mortgage approval rate & lending review
Ponce Bank, National Association decided 455 mortgage applications and funded 361 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ponce Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Ponce Bank, National Association at a glance
Approval is 2.2 points below the 85.5% 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 | 85% | 237 / 278 | 98% | $545K | 232 |
| Investment property purchase | 85% | 98 / 115 | 94% | $465K | 92 |
Ponce Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 81% | $545K | 361 | 278 |
| New Jersey | 91% | $485K | 68 | 61 |
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 Ponce Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Queens County, NY | Mortgage lenders | 84% | 85 | 70 |
| Queens County, NY | Investment property purchase | 83% | 30 | 25 |
| Bronx County, NY | Mortgage lenders | 87% | 23 | 20 |
The county markets where Ponce Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Ponce Bank, National Association
What is Ponce Bank, National Association's mortgage approval rate?
Ponce Bank, National Association approved 83.3% of the 455 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.2 points below the 85.5% national rate for the same mix of loan types.
How often do borrowers take the loan Ponce Bank, National Association offers?
Borrowers accepted 95% of the loans Ponce Bank, National Association 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 Ponce Bank, National Association make?
The typical home purchase mortgage loan Ponce Bank, National Association made was $545K; across all loan types its typical loan ran from $465K to $545K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ponce Bank, National Association lend?
Ponce Bank, National Association decided applications in 7 of the states Fat Boy Data covers, most of them in New York, New Jersey and Pennsylvania.
Can I apply to Ponce Bank, National Association directly?
Yes. Ponce Bank, National Association is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Ponce 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 Ponce Bank, National Association treats applications, then get a rate quote from the lender.