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 | Bank of Dade | Citizens Bank & |
|---|---|---|
| Total Applications | 100 | 119 ▲ |
| Loans Originated | 95 | 112 |
| Approval Rate (higher is better) | 95.0% ✓ | 94.1% |
| Denial Rate (lower is better) | 2.0% ✓ | 2.5% |
| Avg Loan Amount | $155,700 | $116,092 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 2 | 3 |
| Applications Withdrawn | 2 | 1 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Bank of Dade | Citizens Bank & |
|---|---|---|
| Conventional | 100 (100.0%) | 119 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | Bank of Dade | Citizens Bank & |
|---|---|---|
| Home Purchase | 55 | 39 |
| Refinancing | 27 | 61 |
| Home Improvement | 10 | 15 |
| Other | 8 | 4 |
Summary
- 100 total applications · 95 originated
- Approval rate: 95.0%
- Denial rate: 2.0%
- Avg loan: $155,700
- HQ: Trenton, GA
- 119 total applications · 112 originated
- Approval rate: 94.1%
- Denial rate: 2.5%
- Avg loan: $116,092
- HQ: Trenton, GA
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.