The Dart Bank mortgage approval rate & lending review
The Dart Bank decided 6,135 mortgage applications and funded 5,510 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Dart Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Dart Bank at a glance
Approval is 8.2 points above the 85.0% 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 | 95% | 4,556 / 4,806 | 97% | $305K | 4,418 |
| Home improvement loans | 89% | 155 / 175 | 99% | $65K | 153 |
| Cash-out refinance | 77% | 187 / 243 | 93% | $265K | 173 |
| Refinance | 89% | 452 / 506 | 92% | $345K | 414 |
| Investment property purchase | 95% | 303 / 320 | 95% | $225K | 288 |
| Investment cash-out refinance | 76% | 22 / 29 | 100% | $205K | 22 |
| Investment refinance | 80% | 36 / 45 | 97% | $385K | 35 |
The Dart Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 94% | $255K | 4,286 | 3,993 |
| New York | 86% | $575K | 449 | 338 |
| California | 91% | $645K | 224 | 180 |
| Virginia | 88% | $495K | 182 | 147 |
| Florida | 92% | $395K | 178 | 153 |
| Maryland | 88% | $425K | 160 | 125 |
| Connecticut | 95% | $525K | 77 | 70 |
| Massachusetts | 95% | $465K | 61 | 56 |
| Texas | 90% | $295K | 61 | 50 |
| Indiana | 90% | $215K | 59 | 50 |
| Ohio | 98% | $215K | 57 | 53 |
| Illinois | 93% | $365K | 55 | 49 |
| Pennsylvania | 90% | $305K | 42 | 34 |
| Kentucky | 92% | $305K | 37 | 33 |
| Arizona | 93% | $425K | 29 | 24 |
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 The Dart Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Ingham County, MI | Mortgage lenders | 97% | 768 | 737 |
| Eaton County, MI | Mortgage lenders | 96% | 400 | 380 |
| Jackson County, MI | Mortgage lenders | 97% | 376 | 357 |
| Kent County, MI | Mortgage lenders | 97% | 298 | 288 |
| Livingston County, MI | Mortgage lenders | 98% | 250 | 244 |
| Oakland County, MI | Mortgage lenders | 97% | 229 | 222 |
| Ottawa County, MI | Mortgage lenders | 98% | 217 | 211 |
| Washtenaw County, MI | Mortgage lenders | 99% | 202 | 196 |
| Genesee County, MI | Mortgage lenders | 92% | 165 | 151 |
| Macomb County, MI | Mortgage lenders | 95% | 153 | 145 |
| Allegan County, MI | Mortgage lenders | 97% | 87 | 83 |
| Ingham County, MI | Investment property purchase | 96% | 70 | 64 |
The county markets where The Dart Bank made the most loans. Each link opens that market with every lender ranked.
Questions about The Dart Bank
What is The Dart Bank's mortgage approval rate?
The Dart Bank approved 93.2% of the 6,135 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.2 points above the 85.0% national rate for the same mix of loan types.
How often do borrowers take the loan The Dart Bank offers?
Borrowers accepted 96% of the loans The Dart 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 The Dart Bank make?
The typical home purchase mortgage loan The Dart Bank made was $305K; across all loan types its typical loan ran from $65K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Dart Bank lend?
The Dart Bank decided applications in 37 of the states Fat Boy Data covers, most of them in Michigan, New York and California.
Can I apply to The Dart Bank directly?
Yes. The Dart Bank is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Dart 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 The Dart Bank treats applications, then get a rate quote from the lender.