PromiseOne Bank mortgage approval rate & lending review
PromiseOne Bank decided 387 mortgage applications and funded 372 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions PromiseOne Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
PromiseOne Bank at a glance
Approval is 11.7 points above the 86.2% 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 | 99% | 226 / 229 | 98% | $335K | 222 |
| Investment property purchase | 98% | 122 / 124 | 98% | $265K | 120 |
PromiseOne Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 99% | $335K | 230 | 221 |
| Florida | 97% | $255K | 59 | 57 |
| Texas | 98% | $285K | 42 | 41 |
| North Carolina | 100% | $305K | 34 | 34 |
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 PromiseOne Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Gwinnett County, GA | Investment property purchase | 98% | 49 | 47 |
The county markets where PromiseOne Bank made the most loans. Each link opens that market with every lender ranked.
Questions about PromiseOne Bank
What is PromiseOne Bank's mortgage approval rate?
PromiseOne Bank approved 97.9% of the 387 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.7 points above the 86.2% national rate for the same mix of loan types.
How often do borrowers take the loan PromiseOne Bank offers?
Borrowers accepted 98% of the loans PromiseOne 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 PromiseOne Bank make?
The typical home purchase mortgage loan PromiseOne Bank made was $335K; across all loan types its typical loan ran from $265K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does PromiseOne Bank lend?
PromiseOne Bank decided applications in 9 of the states Fat Boy Data covers, most of them in Georgia, Florida and Texas.
Can I apply to PromiseOne Bank directly?
Yes. PromiseOne Bank is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show PromiseOne 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 PromiseOne Bank treats applications, then get a rate quote from the lender.