Mortgage Lender Index

TD Bank, National Association

TD Bank, National Association received 46,634 applications in 2025 and made 23,499 mortgages, in 459 counties across 19 states. The median rate its borrowers got was 7.490% on a median loan of $205,000. Of 36,898 decisions, 13,031 were denials — 35.3%, most often for debt-to-income ratio.

Legal Entity Identifier03D0JEWFDFUS0SEEKG89
Applications received46,634
Mortgages made23,499
Denied13,031
Approved, not taken up368
Withdrawn or incomplete9,736
Loans bought from other lenders5,997
Median rate spread over the prime offer rate0.34 points
FDIC-insured bankYes: TD Bank, National Association, 1,051 offices

By loan purpose

PurposeMortgages madeMedian rateMedian loanDenied
Home purchase5,927 6.500%$505,000 23.0%
Refinancing6,159 7.440%$205,000 27.1%
Cash-out refinancing262 6.250%$455,000 37.5%
Other purposes11,151 7.790%$105,000 43.6%

Where TD Bank, National Association lends most

The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.

CountyMortgages madeMedian rateDenied
Bergen County, NJ 8547.340%31.6%
Ocean County, NJ 8307.540%31.4%
Nassau County, NY 7627.690%37.0%
Suffolk County, NY 6757.690%38.5%
Monmouth County, NJ 6107.340%30.5%
Kings County, NY 5856.750%39.9%
Middlesex County, MA 5127.440%23.2%
Queens County, NY 5047.440%48.0%
Camden County, NJ 4747.540%34.6%
Palm Beach County, FL 4617.440%42.4%
Miami-Dade County, FL 4397.600%53.2%
Westchester County, NY 4387.690%32.3%
Burlington County, NJ 4337.540%29.1%
Middlesex County, NJ 4227.540%36.0%
Morris County, NJ 4157.340%25.5%
Essex County, NJ 3867.190%33.0%
Montgomery County, PA 3797.440%23.7%
Essex County, MA 3777.640%35.3%
Broward County, FL 3367.540%53.9%
Philadelphia County, PA 3327.440%44.3%
Hillsborough County, NH 3227.540%28.9%
Gloucester County, NJ 3037.590%30.1%
Union County, NJ 3027.340%35.0%
Chester County, PA 2827.290%17.0%
Cumberland County, ME 2777.340%20.8%
Bucks County, PA 2767.540%27.7%
Somerset County, NJ 2757.340%27.5%
Capitol Planning Region, CT 2747.640%37.6%
Rockingham County, NH 2687.540%28.3%
New York County, NY 2666.125%28.1%
Richmond County, NY 2587.890%38.7%
Hudson County, NJ 2576.500%39.6%
Delaware County, PA 2507.540%31.8%
Beaufort County, SC 2427.020%14.4%
Passaic County, NJ 2367.540%44.7%
Atlantic County, NJ 2357.340%33.8%
Worcester County, MA 2197.640%36.4%
Western Connecticut Planning Region, CT 2137.340%32.7%
Mercer County, NJ 1917.340%32.4%
Norfolk County, MA 1847.390%29.1%
Hampden County, MA 1797.890%44.4%
Rockland County, NY 1757.690%34.2%
South Central Connecticut Planning Region, CT 1747.640%35.1%
Cape May County, NJ 1657.340%21.6%
Montgomery County, MD 1637.440%34.1%
New Castle County, DE 1557.840%38.2%
Barnstable County, MA 1527.440%32.5%
Fairfax County, VA 1517.440%40.4%
Naugatuck Valley Planning Region, CT 1457.640%42.6%
Charleston County, SC 1427.190%27.0%

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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.