Traditions Bank mortgage approval rate & lending review
Traditions Bank decided 1,802 mortgage applications and funded 1,716 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Traditions Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Traditions Bank at a glance
Approval is 10.3 points above the 86.2% 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 | 98% | 1,470 / 1,506 | 99% | $235K | 1,452 |
| Cash-out refinance | 87% | 40 / 46 | 100% | $165K | 40 |
| Refinance | 90% | 77 / 86 | 97% | $155K | 75 |
| Investment property purchase | 98% | 122 / 125 | 98% | $135K | 119 |
Traditions Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 96% | $235K | 1,748 | 1,666 |
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 Traditions Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| York County, PA | Mortgage lenders | 98% | 1,081 | 1,047 |
| Lancaster County, PA | Mortgage lenders | 97% | 144 | 139 |
| Adams County, PA | Mortgage lenders | 97% | 115 | 110 |
| York County, PA | Investment property purchase | 97% | 65 | 61 |
| York County, PA | Refinance | 88% | 58 | 49 |
| Cumberland County, PA | Mortgage lenders | 97% | 35 | 34 |
| York County, PA | Cash-out refinance | 87% | 39 | 34 |
| Dauphin County, PA | Mortgage lenders | 91% | 34 | 30 |
The county markets where Traditions Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Traditions Bank
What is Traditions Bank's mortgage approval rate?
Traditions Bank approved 96.5% of the 1,802 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.3 points above the 86.2% national rate for the same mix of loan types.
How often do borrowers take the loan Traditions Bank offers?
Borrowers accepted 99% of the loans Traditions 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 Traditions Bank make?
The typical home purchase mortgage loan Traditions Bank made was $235K; across all loan types its typical loan ran from $135K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Traditions Bank lend?
Traditions Bank decided applications in 12 of the states Fat Boy Data covers, most of them in Pennsylvania, Maryland and Delaware.
Can I apply to Traditions Bank directly?
Yes. Traditions Bank is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Traditions 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 Traditions Bank treats applications, then get a rate quote from the lender.