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 | Citizens Bank of | UMB BANK NA |
|---|---|---|
| Total Applications | 80 | 3,080 ▲ |
| Loans Originated | 67 | 1,902 |
| Approval Rate (higher is better) | 83.8% ✓ | 61.8% |
| Denial Rate (lower is better) | 3.8% ✓ | 24.4% |
| Avg Loan Amount | $159,500 | $366,747 |
| Avg Interest Rate (lower is better) | N/A | 6.872% |
| Avg Applicant Income | N/A | $35,000 |
| Applications Denied | 3 | 752 |
| Applications Withdrawn | 10 | 289 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Citizens Bank of | UMB BANK NA |
|---|---|---|
| Conventional | 80 (100.0%) | 2,883 (93.6%) |
| FHA | — | 161 (5.2%) |
| VA | — | 32 (1.0%) |
| USDA | — | 4 (0.1%) |
Loan Purpose Breakdown
| Purpose | Citizens Bank of | UMB BANK NA |
|---|---|---|
| Home Purchase | 48 | 915 |
| Refinancing | 24 | 701 |
| Other | 5 | 573 |
| Home Improvement | 3 | 841 |
| Cash-out Refinancing | — | 50 |
Summary
- 80 total applications · 67 originated
- Approval rate: 83.8%
- Denial rate: 3.8%
- Avg loan: $159,500
- HQ: Rich Hill, MO
- 3,080 total applications · 1,902 originated
- Approval rate: 61.8%
- Denial rate: 24.4%
- Avg loan: $366,747
- Avg rate: 6.872%
- HQ: KANSAS CITY, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.