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 | ADIRONDACK BANK | Citibank, NA |
|---|---|---|
| Total Applications | 364 | 54,575 ▲ |
| Loans Originated | 237 | 14,104 |
| Approval Rate (higher is better) | 65.1% ✓ | 25.8% |
| Denial Rate (lower is better) | 13.2% | 8.6% ✓ |
| Avg Loan Amount | $204,093 | $689,013 |
| Avg Interest Rate (lower is better) | 6.785% | 6.656% ✓ |
| Avg Applicant Income | $34,000 | $35,000 |
| Applications Denied | 48 | 4,681 |
| Applications Withdrawn | 54 | 8,179 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | ADIRONDACK BANK | Citibank, NA |
|---|---|---|
| Conventional | 364 (100.0%) | 54,220 (99.3%) |
| FHA | — | 268 (0.5%) |
| VA | — | 87 (0.2%) |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | ADIRONDACK BANK | Citibank, NA |
|---|---|---|
| Home Purchase | 227 | 36,705 |
| Home Improvement | 67 | 4,104 |
| Refinancing | 40 | 3,618 |
| Other | 20 | 6,475 |
| Cash-out Refinancing | 10 | 3,673 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| California | 4,689 | #19 |
| New York | 3,468 | #15 |
| District of Columbia | 213 | #7 |
Summary
- 364 total applications · 237 originated
- Approval rate: 65.1%
- Denial rate: 13.2%
- Avg loan: $204,093
- Avg rate: 6.785%
- HQ: UTICA, NY
- 54,575 total applications · 14,104 originated
- Approval rate: 25.8%
- Denial rate: 8.6%
- Avg loan: $689,013
- Avg rate: 6.656%
- HQ: New York, NY
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.