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 | BTC Bank | The Nodaway Valley |
|---|---|---|
| Total Applications | 503 ▲ | 406 |
| Loans Originated | 442 | 336 |
| Approval Rate (higher is better) | 87.9% ✓ | 82.8% |
| Denial Rate (lower is better) | 8.2% | 7.6% ✓ |
| Avg Loan Amount | $143,052 | $175,296 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 41 | 31 |
| Applications Withdrawn | 7 | 24 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | BTC Bank | The Nodaway Valley |
|---|---|---|
| Conventional | 501 (99.6%) | 406 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | 2 (0.4%) | — |
Loan Purpose Breakdown
| Purpose | BTC Bank | The Nodaway Valley |
|---|---|---|
| Home Purchase | 290 | 201 |
| Refinancing | 160 | 129 |
| Home Improvement | 32 | 39 |
| Other | 21 | 37 |
Summary
- 503 total applications · 442 originated
- Approval rate: 87.9%
- Denial rate: 8.2%
- Avg loan: $143,052
- HQ: Bethany, MO
- 406 total applications · 336 originated
- Approval rate: 82.8%
- Denial rate: 7.6%
- Avg loan: $175,296
- HQ: Maryville, MO
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.