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 | NUSENDA FEDERAL CREDIT |
|---|---|---|
| Total Applications | 392 | 3,080 ▲ |
| Loans Originated | 335 | 1,930 |
| Approval Rate (higher is better) | 85.5% ✓ | 62.7% |
| Denial Rate (lower is better) | 4.3% ✓ | 15.5% |
| Avg Loan Amount | $265,561 | $134,438 |
| Avg Interest Rate (lower is better) | 6.779% ✓ | 8.444% |
| Avg Applicant Income | $36,000 | $35,000 |
| Applications Denied | 17 | 478 |
| Applications Withdrawn | 36 | 405 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | CITIZENS BANK OF | NUSENDA FEDERAL CREDIT |
|---|---|---|
| Conventional | 307 (78.3%) | 2,983 (96.9%) |
| FHA | 61 (15.6%) | 72 (2.3%) |
| VA | 24 (6.1%) | 25 (0.8%) |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | CITIZENS BANK OF | NUSENDA FEDERAL CREDIT |
|---|---|---|
| Home Purchase | 364 | 573 |
| Refinancing | 13 | 631 |
| Cash-out Refinancing | 12 | 61 |
| Other | 3 | 932 |
| Home Improvement | — | 883 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| New Mexico | 1,923 | #4 |
Summary
- 392 total applications · 335 originated
- Approval rate: 85.5%
- Denial rate: 4.3%
- Avg loan: $265,561
- Avg rate: 6.779%
- HQ: LAS CRUCES, NM
- 3,080 total applications · 1,930 originated
- Approval rate: 62.7%
- Denial rate: 15.5%
- Avg loan: $134,438
- Avg rate: 8.444%
- HQ: ALBUQUERQUE, NM
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.