TD Bank, National Association mortgage approval rate & lending review
TD Bank, National Association decided 85,240 mortgage applications and funded 55,497 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions TD Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
TD Bank, National Association at a glance
Approval is 5.9 points below the 72.1% 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 | 81% | 15,703 / 19,450 | 99% | $545K | 15,508 |
| Home improvement loans | 59% | 21,844 / 36,796 | 98% | $105K | 21,441 |
| Cash-out refinance | 60% | 462 / 771 | 97% | $435K | 450 |
| Refinance | 70% | 12,560 / 17,961 | 98% | $205K | 12,367 |
| Investment property purchase | 71% | 2,756 / 3,857 | 98% | $505K | 2,691 |
| Investment cash-out refinance | 55% | 84 / 152 | 100% | $595K | 84 |
| Investment refinance | 56% | 801 / 1,427 | 97% | $295K | 775 |
| Investment home improvement | 46% | 2,224 / 4,826 | 98% | $135K | 2,181 |
TD Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 69% | $205K | 22,408 | 15,140 |
| New York | 63% | $305K | 17,329 | 10,717 |
| Florida | 57% | $245K | 13,664 | 7,694 |
| Massachusetts | 68% | $205K | 7,345 | 4,933 |
| Pennsylvania | 70% | $205K | 6,530 | 4,462 |
| South Carolina | 76% | $195K | 3,363 | 2,533 |
| Connecticut | 65% | $185K | 2,530 | 1,614 |
| New Hampshire | 73% | $105K | 2,512 | 1,800 |
| Maryland | 64% | $325K | 2,070 | 1,308 |
| Maine | 76% | $145K | 1,824 | 1,365 |
| Virginia | 70% | $305K | 1,790 | 1,251 |
| North Carolina | 77% | $605K | 1,734 | 1,311 |
| Delaware | 67% | $115K | 908 | 599 |
| Rhode Island | 53% | $115K | 532 | 273 |
| District of Columbia | 73% | $455K | 483 | 348 |
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 TD Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Ocean County, NJ | Home improvement loans | 67% | 1,408 | 935 |
| Bergen County, NJ | Home improvement loans | 63% | 1,314 | 822 |
| Nassau County, NY | Home improvement loans | 56% | 1,353 | 745 |
| Kings County, NY | Mortgage lenders | 80% | 903 | 712 |
| Suffolk County, NY | Home improvement loans | 57% | 1,218 | 676 |
| Monmouth County, NJ | Home improvement loans | 67% | 1,011 | 669 |
| Nassau County, NY | Mortgage lenders | 81% | 794 | 641 |
| Bergen County, NJ | Refinance | 73% | 801 | 580 |
| Queens County, NY | Mortgage lenders | 75% | 742 | 548 |
| Palm Beach County, FL | Home improvement loans | 53% | 1,066 | 547 |
| Camden County, NJ | Home improvement loans | 65% | 811 | 517 |
| Miami-Dade County, FL | Home improvement loans | 43% | 1,206 | 516 |
The county markets where TD Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about TD Bank, National Association
What is TD Bank, National Association's mortgage approval rate?
TD Bank, National Association approved 66.2% of the 85,240 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.9 points below the 72.1% national rate for the same mix of loan types.
How often do borrowers take the loan TD Bank, National Association offers?
Borrowers accepted 98% of the loans TD Bank, National Association 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 TD Bank, National Association make?
The typical home improvement loan loan TD Bank, National Association made was $105K; across all loan types its typical loan ran from $105K to $595K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does TD Bank, National Association lend?
TD Bank, National Association decided applications in 16 of the states Fat Boy Data covers, most of them in New Jersey, New York and Florida.
Can I apply to TD Bank, National Association directly?
Yes. TD Bank, National Association is a bank or credit union with 1,051 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show TD 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 TD Bank, National Association treats applications, then get a rate quote from the lender.