SSB Bank mortgage approval rate & lending review
SSB Bank decided 385 mortgage applications and funded 367 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions SSB Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
SSB Bank at a glance
Approval is 15.0 points above the 83.2% 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 | 100% | 212 / 213 | 97% | $155K | 205 |
| Refinance | 97% | 56 / 58 | 98% | $205K | 55 |
| Investment property purchase | 98% | 52 / 53 | 98% | $145K | 51 |
| Investment refinance | 95% | 37 / 39 | 95% | $125K | 35 |
SSB Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 98% | $155K | 377 | 359 |
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 SSB Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Allegheny County, PA | Mortgage lenders | 99% | 132 | 125 |
| Westmoreland County, PA | Mortgage lenders | 100% | 52 | 52 |
| Allegheny County, PA | Refinance | 95% | 42 | 39 |
| Allegheny County, PA | Investment refinance | 95% | 38 | 34 |
| Allegheny County, PA | Investment property purchase | 97% | 29 | 28 |
The county markets where SSB Bank made the most loans. Each link opens that market with every lender ranked.
Questions about SSB Bank
What is SSB Bank's mortgage approval rate?
SSB Bank approved 98.2% of the 385 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.0 points above the 83.2% national rate for the same mix of loan types.
How often do borrowers take the loan SSB Bank offers?
Borrowers accepted 97% of the loans SSB 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 SSB Bank make?
The typical home purchase mortgage loan SSB Bank made was $155K; across all loan types its typical loan ran from $125K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does SSB Bank lend?
SSB Bank decided applications in 4 of the states Fat Boy Data covers, most of them in Pennsylvania, Florida and South Carolina.
Can I apply to SSB Bank directly?
Yes. SSB Bank is a bank or credit union with 40 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show SSB 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 SSB Bank treats applications, then get a rate quote from the lender.