Woori America Bank mortgage approval rate & lending review
Woori America Bank decided 1,019 mortgage applications and funded 810 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Woori America Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Woori America Bank at a glance
Approval is 0.9 points above the 85.8% 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 | 87% | 670 / 773 | 92% | $495K | 615 |
| Cash-out refinance | 60% | 15 / 25 | 87% | $485K | 13 |
| Refinance | 91% | 70 / 77 | 94% | $565K | 66 |
| Investment property purchase | 90% | 101 / 112 | 92% | $415K | 93 |
Woori America Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 85% | $485K | 394 | 295 |
| New Jersey | 88% | $525K | 226 | 183 |
| California | 88% | $535K | 153 | 123 |
| Pennsylvania | 84% | $335K | 112 | 89 |
| Georgia | 85% | $425K | 34 | 29 |
| Virginia | 94% | $605K | 31 | 29 |
| Maryland | 96% | $435K | 28 | 26 |
| Texas | 100% | $395K | 26 | 25 |
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 Woori America Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bergen County, NJ | Mortgage lenders | 89% | 155 | 126 |
| Queens County, NY | Mortgage lenders | 85% | 136 | 100 |
| Richmond County, NY | Mortgage lenders | 75% | 48 | 35 |
| New York County, NY | Mortgage lenders | 85% | 41 | 30 |
| Bergen County, NJ | Investment property purchase | 82% | 28 | 22 |
The county markets where Woori America Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Woori America Bank
What is Woori America Bank's mortgage approval rate?
Woori America Bank approved 86.7% of the 1,019 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.9 points above the 85.8% national rate for the same mix of loan types.
How often do borrowers take the loan Woori America Bank offers?
Borrowers accepted 92% of the loans Woori America 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 Woori America Bank make?
The typical home purchase mortgage loan Woori America Bank made was $495K; across all loan types its typical loan ran from $415K to $565K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Woori America Bank lend?
Woori America Bank decided applications in 10 of the states Fat Boy Data covers, most of them in New York, New Jersey and California.
Can I apply to Woori America Bank directly?
Yes. Woori America Bank is a bank or credit union with 22 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Woori America 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 Woori America Bank treats applications, then get a rate quote from the lender.