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 | Arbor Bank | FirstBank of Nebraska |
|---|---|---|
| Total Applications | 556 ▲ | 138 |
| Loans Originated | 455 | 119 |
| Approval Rate (higher is better) | 81.8% | 86.2% ✓ |
| Denial Rate (lower is better) | 4.1% | 3.6% ✓ |
| Avg Loan Amount | $236,169 | $181,304 |
| Avg Interest Rate (lower is better) | 7.136% | N/A |
| Avg Applicant Income | $34,000 | N/A |
| Applications Denied | 23 | 5 |
| Applications Withdrawn | 58 | 7 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Arbor Bank | FirstBank of Nebraska |
|---|---|---|
| Conventional | 502 (90.3%) | 136 (98.6%) |
| FHA | 27 (4.9%) | — |
| VA | 27 (4.9%) | — |
| USDA | — | 2 (1.4%) |
Loan Purpose Breakdown
| Purpose | Arbor Bank | FirstBank of Nebraska |
|---|---|---|
| Home Purchase | 343 | 87 |
| Home Improvement | 67 | 11 |
| Refinancing | 64 | 7 |
| Cash-out Refinancing | 56 | 4 |
| Other | 26 | 29 |
Summary
- 556 total applications · 455 originated
- Approval rate: 81.8%
- Denial rate: 4.1%
- Avg loan: $236,169
- Avg rate: 7.136%
- HQ: Nebraska City, NE
- 138 total applications · 119 originated
- Approval rate: 86.2%
- Denial rate: 3.6%
- Avg loan: $181,304
- HQ: Wahoo, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.