# TD Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/td-bank-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


TD Bank, National Association is a bank, headquartered in Wilmington, DE, serving borrowers across 16 states, with 5,655 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 53% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 43% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 03D0JEWFDFUS0SEEKG89
- **Headquarters:** Wilmington, DE
- **Geographic Reach:** Multi-Region
- **States Served:** 16
- **State List:** CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.158%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $781
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 5,655
- **Dollar Volume:** $3.9 billion
- **Applications Received:** 8,799
- **Market Share:** 16.00%

## Typical Borrower Profile

- **Average Loan Amount:** $694,680
- **Average Borrower Income:** $313,839
- **Average Property Value:** $991,198

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (64%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 4,052 | +0.179% | $758 | Strong 😀 |
| FHA | 62/100 | 87 | +0.685% | $221 | Strong 😀 |
| VA | 40/100 | 17 | +0.011% | $95 | Sound ☺️ |
| Jumbo | 94/100 | 1,499 | +0.043% | $920 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,459 loans, Score: 77/100 (Strong)
- Refinance: 593 loans, Score: 73/100 (Strong)

**FHA:**
- Purchase: 82 loans, Score: 62/100 (Strong)

**Jumbo:**
- Purchase: 1,347 loans, Score: 95/100 (Exceptional)
- Refinance: 152 loans, Score: 89/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 80/100 | 4,904 | $3.5B | +0.114% | Exceptional 🤩 |
| Refinance | 71/100 | 751 | $412M | +0.431% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 1,292 | 1.14% | 86/100 |
| NJ | 1,057 | 1.23% | 89/100 |
| FL | 707 | 0.24% | 73/100 |
| PA | 504 | 0.42% | 76/100 |
| MA | 430 | 0.71% | 76/100 |
| SC | 379 | 0.47% | 77/100 |
| NC | 359 | 0.24% | 69/100 |
| VA | 188 | 0.17% | 66/100 |
| MD | 175 | 0.25% | 66/100 |
| CT | 167 | 0.48% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New York | NY-NJ | 988 | 89/100 |
| Non |  | 364 | 63/100 |
| Nassau County | NY | 358 | 80/100 |
| Lakewood | NJ | 303 | 81/100 |
| Newark, NJ | NJ | 222 | 80/100 |
| Philadelphia, PA | PA | 192 | 77/100 |
| Montgomery County | PA | 184 | 77/100 |
| Cambridge | MA | 173 | 71/100 |
| Camden, NJ | NJ | 158 | 73/100 |
| Arlington | VA-WV | 145 | 68/100 |
| Hilton Head Island | SC | 140 | 82/100 |
| Boston, MA | MA | 128 | 69/100 |
| Charlotte | NC-SC | 106 | 64/100 |
| Orlando | FL | 88 | 61/100 |
| Fort Lauderdale | FL | 85 | 62/100 |

## Where This Lender Ranks

TD Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Gainesville, FL for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/gainesville-fl/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Lakewood for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lakewood/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Camden, NJ for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Gainesville, FL for Jumbo Loans
  - [View Full Rankings](https://saferate.com/gainesville-fl/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Myrtle Beach for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/myrtle-beach/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Newark, NJ for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/newark-nj/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Camden, NJ for Jumbo Loans
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/jumbo-loans)
- 🥉 **#3** in Albany for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Deltona for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/deltona/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Rockingham County for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Myrtle Beach for Jumbo Loans
  - [View Full Rankings](https://saferate.com/myrtle-beach/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in New Jersey for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in New York for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Worcester, MA for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#4** in Albany for Jumbo Loans
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in Palm Bay for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#4** in Hickory for Jumbo Loans
  - [View Full Rankings](https://saferate.com/hickory/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in Hickory for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/hickory/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#4** in Bangor, ME for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/bangor-me/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in New York for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does TD Bank, National Association offer?

TD Bank, National Association offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TD Bank, National Association offer mortgages?

TD Bank, National Association offers mortgages in 16 states: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.

### How competitive are TD Bank, National Association's mortgage rates?

TD Bank, National Association has a pricing score of 47/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.158% above market average.

### What type of lender is TD Bank, National Association?

TD Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Wilmington, DE.

### What is TD Bank, National Association's loan approval success rate?

TD Bank, National Association has a pull-through score of 57/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/td-bank-national-association

### How to Cite

> "TD Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/td-bank-national-association

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