Lender profile · HMDA 2023–2025
Pathfinder Bank mortgage approval rates & lending data
Pathfinder Bank decided 465 mortgage applications and funded 396 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% | 234 / 244 | 95% | $135K | 223 |
| Home improvement loans | 71% | 50 / 70 | 92% | $45K | 46 |
| Cash-out refinance | 84% | 52 / 62 | 96% | $95K | 50 |
| Refinance | 84% | 21 / 25 | 86% | $85K | 18 |
| Investment property purchase | 97% | 38 / 39 | 95% | $125K | 36 |
Pathfinder Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 90% | $135K | 458 | 390 |
| South Carolina | 100% | $725K | 2 | 2 |
| Delaware | 100% | $265K | 1 | 1 |
| Florida | 100% | $1.75M | 1 | 1 |
| Massachusetts | 100% | $1M | 1 | 1 |
| Pennsylvania | 0% | — | 1 | 0 |
| Texas | 100% | $405K | 1 | 1 |
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.