Lender profile · HMDA 2023–2025
Emigrant Bank mortgage approval rates & lending data
Emigrant Bank decided 356 mortgage applications and funded 244 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 84% | 161 / 192 | 88% | $355K | 141 |
| Cash-out refinance | 77% | 20 / 26 | 100% | $355K | 20 |
| Investment property purchase | 69% | 58 / 84 | 79% | $425K | 46 |
Emigrant Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 81% | $275K | 298 | 208 |
| New Jersey | 77% | $555K | 39 | 27 |
| Florida | 50% | $455K | 16 | 8 |
| Connecticut | 100% | $1.67M | 1 | 1 |
| Massachusetts | 0% | — | 1 | 0 |
| Pennsylvania | 0% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.