Compare Mortgage Lenders
Select two lenders to compare side by side using 2023 HMDA federal data: approval rates, denial rates, loan sizes, loan types, and geographic reach.
Key Metrics
| Metric | Adams Bank & | PINNACLE BANK |
|---|---|---|
| Total Applications | 358 | 3,058 ▲ |
| Loans Originated | 246 | 2,573 |
| Approval Rate (higher is better) | 68.7% | 84.1% ✓ |
| Denial Rate (lower is better) | 15.6% | 5.0% ✓ |
| Avg Loan Amount | $267,542 | $266,033 |
| Avg Interest Rate (lower is better) | 7.390% | 7.256% ✓ |
| Avg Applicant Income | $35,000 | $34,000 |
| Applications Denied | 56 | 154 |
| Applications Withdrawn | 52 | 300 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Adams Bank & | PINNACLE BANK |
|---|---|---|
| Conventional | 331 (92.5%) | 2,839 (92.8%) |
| FHA | 21 (5.9%) | 136 (4.4%) |
| VA | 4 (1.1%) | 57 (1.9%) |
| USDA | 2 (0.6%) | 26 (0.9%) |
Loan Purpose Breakdown
| Purpose | Adams Bank & | PINNACLE BANK |
|---|---|---|
| Home Purchase | 225 | 1,806 |
| Refinancing | 52 | 538 |
| Home Improvement | 30 | 407 |
| Cash-out Refinancing | 29 | 30 |
| Other | 22 | 277 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| Nebraska | 2,303 | #2 |
Summary
- 358 total applications · 246 originated
- Approval rate: 68.7%
- Denial rate: 15.6%
- Avg loan: $267,542
- Avg rate: 7.390%
- HQ: Ogallala, NE
- 3,058 total applications · 2,573 originated
- Approval rate: 84.1%
- Denial rate: 5.0%
- Avg loan: $266,033
- Avg rate: 7.256%
- HQ: LINCOLN, NE
Methodology
Comparisons are drawn from the CFPB 2024 HMDA Snapshot National Loan-Level Dataset, published by the Consumer Financial Protection Bureau and distributed via the FFIEC. Every figure on this page comes from lenders' mandatory HMDA filings — not voluntary marketing claims.
Approval (origination) rate = originated ÷ total applications. Denial rate = denied ÷ total applications. Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes. Denial rates reflect a lender's applicant mix as much as its underwriting stance; compare alongside loan-type mix and geography before drawing conclusions.
Side-by-side comparisons are informational only and do not constitute financial, legal, or mortgage advice. Always obtain and compare written Loan Estimates before applying.