Ulster Savings Bank mortgage approval rate & lending review
Ulster Savings Bank decided 1,124 mortgage applications and funded 1,005 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ulster Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Ulster Savings Bank at a glance
Approval is 13.3 points above the 79.8% 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 | 96% | 593 / 620 | 96% | $305K | 572 |
| Home improvement loans | 92% | 185 / 202 | 96% | $45K | 178 |
| Cash-out refinance | 88% | 110 / 125 | 97% | $125K | 107 |
| Refinance | 86% | 32 / 37 | 97% | $205K | 31 |
| Investment property purchase | 93% | 93 / 100 | 94% | $335K | 87 |
Ulster Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 93% | $305K | 1,123 | 1,004 |
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 Ulster Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Ulster County, NY | Mortgage lenders | 95% | 407 | 374 |
| Ulster County, NY | Home improvement loans | 92% | 170 | 152 |
| Dutchess County, NY | Mortgage lenders | 99% | 97 | 94 |
| Ulster County, NY | Cash-out refinance | 87% | 87 | 76 |
| Orange County, NY | Mortgage lenders | 99% | 76 | 72 |
| Ulster County, NY | Investment property purchase | 92% | 77 | 67 |
| Ulster County, NY | Refinance | 91% | 23 | 20 |
The county markets where Ulster Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Ulster Savings Bank
What is Ulster Savings Bank's mortgage approval rate?
Ulster Savings Bank approved 93.1% of the 1,124 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.3 points above the 79.8% national rate for the same mix of loan types.
How often do borrowers take the loan Ulster Savings Bank offers?
Borrowers accepted 96% of the loans Ulster Savings 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 Ulster Savings Bank make?
The typical home purchase mortgage loan Ulster Savings Bank made was $305K; across all loan types its typical loan ran from $45K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ulster Savings Bank lend?
Ulster Savings Bank decided applications in 2 of the states Fat Boy Data covers, most of them in New York and Connecticut.
Can I apply to Ulster Savings Bank directly?
Yes. Ulster Savings Bank is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Ulster Savings 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 Ulster Savings Bank treats applications, then get a rate quote from the lender.