Suffolk mortgage approval rate & lending review
Suffolk decided 3,657 mortgage applications and funded 2,123 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Suffolk reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Suffolk at a glance
Approval is 4.3 points below the 66.6% 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 | 71% | 262 / 370 | 97% | $395K | 254 |
| Home improvement loans | 60% | 1,593 / 2,656 | 93% | $105K | 1,478 |
| Cash-out refinance | 73% | 187 / 257 | 94% | $205K | 175 |
| Refinance | 74% | 183 / 246 | 91% | $165K | 167 |
| Investment property purchase | 55% | 24 / 44 | 96% | $265K | 23 |
| Investment home improvement | 33% | 25 / 75 | 88% | $195K | 22 |
Suffolk lending by state
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 Suffolk lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Suffolk County, NY | Home improvement loans | 60% | 2,361 | 1,326 |
| Suffolk County, NY | Mortgage lenders | 70% | 315 | 216 |
| Suffolk County, NY | Cash-out refinance | 76% | 228 | 162 |
| Suffolk County, NY | Refinance | 75% | 220 | 152 |
| Nassau County, NY | Home improvement loans | 65% | 222 | 125 |
| Suffolk County, NY | Investment home improvement | 30% | 50 | 13 |
| Nassau County, NY | Refinance | 62% | 21 | 12 |
| Nassau County, NY | Cash-out refinance | 50% | 20 | 9 |
| Suffolk County, NY | Investment property purchase | 36% | 22 | 7 |
The county markets where Suffolk made the most loans. Each link opens that market with every lender ranked.
Questions about Suffolk
What is Suffolk's mortgage approval rate?
Suffolk approved 62.3% of the 3,657 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.3 points below the 66.6% national rate for the same mix of loan types.
How often do borrowers take the loan Suffolk offers?
Borrowers accepted 93% of the loans Suffolk 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 Suffolk make?
The typical home improvement loan loan Suffolk made was $105K; across all loan types its typical loan ran from $105K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Suffolk lend?
Suffolk decided applications in 12 of the states Fat Boy Data covers, most of them in New York, Florida and North Carolina.
Can I apply to Suffolk directly?
Yes. Suffolk 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 Suffolk'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 Suffolk treats applications, then get a rate quote from the lender.