TD Bank, N.A.: 2025 mortgage rates, costs & approvals
How TD Bank, N.A. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: TD Bank, National Association · LEI 03D0JEWFDFUS0SEEKG89
In 2025, TD Bank, N.A. originated 5,103 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 16 states — 128th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 7 basis points below the national median. Median conventional loan costs were $5,650, about the same as the national median ($5,570).
It denied 11.8% of completed home-purchase applications (all lenders: 8.5%).
How TD Bank, N.A. priced home-purchase loans
| Purchase loans, 2025 | TD Bank, N.A. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.625% | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | 5.750% | 5.875% |
| Rate spread vs. APOR · conventional | +0.07 pts | +0.13 pts |
| Total loan costs · conventional | $5,650 | $5,570 |
| Total loan costs · FHA | $9,380 | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $950 | $1,860 |
| Borrowers paying discount points | 21.8% | 51.3% |
| Points paid, when paid (% of loan) | 0.25% | 0.87% |
| Borrowers receiving lender credits | 12.9% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why TD Bank, N.A. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where TD Bank, N.A. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| New York | 1,345 | 1,585 | 12.1% | 6.500% | $6,420 |
| New Jersey | 1,152 | 1,352 | 11.1% | 6.625% | $6,250 |
| Florida | 481 | 618 | 16.1% | 6.625% | $6,340 |
| Pennsylvania | 471 | 543 | 9.2% | 6.500% | $5,460 |
| Massachusetts | 402 | 474 | 13.4% | 6.750% | $5,020 |
| South Carolina | 317 | 359 | 8.4% | 6.625% | $4,300 |
| North Carolina | 216 | 239 | 9.3% | 6.625% | $4,210 |
| Connecticut | 145 | 177 | 13.4% | 6.875% | $5,160 |
| Maine | 123 | 143 | 10.4% | 6.750% | $3,440 |
| Virginia | 115 | 137 | 16.3% | — | $4,650 |
| Maryland | 112 | 123 | 6.7% | 6.875% | $4,360 |
| New Hampshire | 95 | 124 | 18.2% | 6.750% | $3,290 |
| District of Columbia | 43 | 48 | 10.0% | — | $5,520 |
| Delaware | 32 | 37 | 6.9% | — | $4,220 |
| Vermont | 30 | 37 | 12.0% | — | $4,220 |
| Rhode Island | 24 | 26 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open TD Bank, N.A.'s page for that state.
Counties where TD Bank, N.A. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Kings County, NY | 6 | 258 | 3.8% |
| Jasper County, SC | 7 | 38 | 3.3% |
| New York County, NY | 9 | 165 | 3.2% |
| Hudson County, NJ | 6 | 116 | 2.9% |
| Essex County, NJ | 8 | 149 | 2.4% |
| Falls Church city, VA | 10 | 4 | 2.2% |
| Queens County, NY | 11 | 188 | 2.2% |
| Nassau County, NY | 12 | 213 | 2.0% |
| Bergen County, NJ | 9 | 170 | 2.0% |
| Beaufort County, SC | 11 | 71 | 2.0% |
| Westchester County, NY | 13 | 139 | 1.9% |
| Clinton County, NY | 8 | 9 | 1.8% |
| Mercer County, NJ | 13 | 68 | 1.8% |
| Somerset County, NJ | 14 | 66 | 1.7% |
| Washington County, NC | 10 | 1 | 1.6% |
Check TD Bank, N.A. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 03D0JEWFDFUS0SEEKG89.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from TD Bank, N.A. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology