ConnectOne Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
33rd8.0% deniedProcesswithdrawn + incomplete share, weight 15%
26th11.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 76 | 53 | 9.2% | 10.8% | — | $55M |
| 2024 | 86 | 65 | 12.8% | 14.3% | — | $114M |
| 2025 | 155 | 123 | 7.1% | 8.0% | — | $388M |
What ConnectOne Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 88 investment properties.
Who gets approved at ConnectOne Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Over $250k | 32 | 25 | 7.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 20 | 13 | 6.7% |
Where ConnectOne Bank lends
5 states and 39 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New Jersey | 104 | 82 | 5.8% | — | #260 |
| New York | 29 | 21 | 17.2% | — | #383 |
| Florida | 15 | 14 | 0.0% | — | #827 |
| Pennsylvania | 6 | 5 | 0.0% | — | #768 |
Frequently asked questions
ConnectOne Bank denied 8.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 33rd percentile of investment-property lenders.
In 2025, 52% of its applications were for home purchases, 39% for refinancing (including cash-out), and 9% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.