Lender profile · HMDA 2023–2025
INB, National Association mortgage approval rates & lending data
INB, National Association decided 2,512 mortgage applications and funded 2,359 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 | 96% | 1,559 / 1,626 | 99% | $185K | 1,550 |
| Home improvement loans | 72% | 26 / 36 | 100% | $35K | 26 |
| Cash-out refinance | 72% | 33 / 46 | 97% | $155K | 32 |
| Refinance | 84% | 86 / 103 | 97% | $185K | 83 |
| Investment property purchase | 97% | 406 / 418 | 97% | $85K | 395 |
| Investment refinance | 99% | 211 / 214 | 100% | $65K | 210 |
| Investment home improvement | 100% | 61 / 61 | 95% | $95K | 58 |
INB, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 95% | $185K | 2,401 | 2,259 |
| Florida | 91% | $375K | 43 | 39 |
| Missouri | 100% | $305K | 13 | 13 |
| Wisconsin | 86% | $235K | 7 | 6 |
| Texas | 67% | $155K | 6 | 4 |
| Ohio | 100% | $55K | 5 | 5 |
| Georgia | 100% | $235K | 4 | 4 |
| Indiana | 100% | $415K | 4 | 4 |
| Alabama | 100% | $245K | 3 | 3 |
| Michigan | 33% | $315K | 3 | 1 |
| South Carolina | 100% | $185K | 3 | 3 |
| Arizona | 100% | $345K | 2 | 2 |
| Nebraska | 100% | $245K | 2 | 2 |
| New York | 100% | $185K | 2 | 2 |
| Tennessee | 100% | $215K | 2 | 2 |
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.