Lender profile · HMDA 2023–2025
Studio Bank mortgage approval rates & lending data
Studio Bank decided 489 mortgage applications and funded 447 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 | 95% | 319 / 335 | 98% | $475K | 314 |
| Cash-out refinance | 77% | 23 / 30 | 100% | $565K | 23 |
| Refinance | 93% | 27 / 29 | 100% | $525K | 27 |
| Investment property purchase | 96% | 66 / 69 | 100% | $305K | 66 |
Studio Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 92% | $475K | 460 | 418 |
| Florida | 100% | $345K | 6 | 6 |
| Alabama | 100% | $185K | 3 | 3 |
| Georgia | 100% | $365K | 3 | 3 |
| Texas | 100% | $1.28M | 3 | 3 |
| North Carolina | 100% | $525K | 2 | 2 |
| Virginia | 100% | $425K | 2 | 2 |
| California | 100% | $795K | 1 | 1 |
| Colorado | 100% | $485K | 1 | 1 |
| Illinois | 100% | $355K | 1 | 1 |
| Kentucky | 100% | $485K | 1 | 1 |
| Massachusetts | 100% | $415K | 1 | 1 |
| Missouri | 100% | $365K | 1 | 1 |
| New Jersey | 100% | $195K | 1 | 1 |
| Ohio | 100% | $325K | 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.