Solvay Bank mortgage approval rate & lending review
Solvay Bank decided 529 mortgage applications and funded 475 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Solvay Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Solvay Bank at a glance
Approval is 11.6 points above the 81.6% 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% | 342 / 355 | 96% | $275K | 329 |
| Home improvement loans | 88% | 53 / 60 | 96% | $45K | 51 |
| Cash-out refinance | 84% | 54 / 64 | 98% | $95K | 53 |
Solvay Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 93% | $275K | 529 | 475 |
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 Solvay Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Onondaga County, NY | Mortgage lenders | 97% | 340 | 317 |
| Onondaga County, NY | Cash-out refinance | 84% | 63 | 52 |
| Onondaga County, NY | Home improvement loans | 91% | 58 | 51 |
| Onondaga County, NY | Refinance | 100% | 20 | 19 |
The county markets where Solvay Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Solvay Bank
What is Solvay Bank's mortgage approval rate?
Solvay Bank approved 93.2% of the 529 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.6 points above the 81.6% national rate for the same mix of loan types.
How often do borrowers take the loan Solvay Bank offers?
Borrowers accepted 96% of the loans Solvay 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 Solvay Bank make?
The typical home purchase mortgage loan Solvay Bank made was $275K; across all loan types its typical loan ran from $45K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Solvay Bank lend?
Solvay Bank decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to Solvay Bank directly?
Yes. Solvay 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 Solvay 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 Solvay Bank treats applications, then get a rate quote from the lender.