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 the | KAW VALLEY STATE |
|---|---|---|
| Total Applications | 183 ▲ | 118 |
| Loans Originated | 168 | 110 |
| Approval Rate (higher is better) | 91.8% | 93.2% ✓ |
| Denial Rate (lower is better) | 8.2% | 3.4% ✓ |
| Avg Loan Amount | $236,475 | $180,932 |
| Avg Interest Rate (lower is better) | 7.189% | N/A |
| Avg Applicant Income | $32,000 | N/A |
| Applications Denied | 15 | 4 |
| Applications Withdrawn | 0 | 3 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Bank of the | KAW VALLEY STATE |
|---|---|---|
| Conventional | 183 (100.0%) | 118 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | Bank of the | KAW VALLEY STATE |
|---|---|---|
| Home Purchase | 95 | 70 |
| Refinancing | 66 | 35 |
| Cash-out Refinancing | 22 | — |
| Other | — | 11 |
| Home Improvement | — | 2 |
Summary
- 183 total applications · 168 originated
- Approval rate: 91.8%
- Denial rate: 8.2%
- Avg loan: $236,475
- Avg rate: 7.189%
- HQ: Wamego, KS
- 118 total applications · 110 originated
- Approval rate: 93.2%
- Denial rate: 3.4%
- Avg loan: $180,932
- HQ: WAMEGO, KS
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.