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 & NORTHERN | IXONIA BANK |
|---|---|---|
| Total Applications | 1,080 | 10,340 ▲ |
| Loans Originated | 788 | 7,156 |
| Approval Rate (higher is better) | 73.0% ✓ | 69.2% |
| Denial Rate (lower is better) | 11.6% | 4.2% ✓ |
| Avg Loan Amount | $181,593 | $289,378 |
| Avg Interest Rate (lower is better) | 7.653% | 6.861% ✓ |
| Avg Applicant Income | $33,000 | $39,000 |
| Applications Denied | 125 | 435 |
| Applications Withdrawn | 144 | 2,451 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | CITIZENS & NORTHERN | IXONIA BANK |
|---|---|---|
| Conventional | 1,080 (100.0%) | 6,416 (62.1%) |
| FHA | — | 3,048 (29.5%) |
| VA | — | 689 (6.7%) |
| USDA | — | 187 (1.8%) |
Loan Purpose Breakdown
| Purpose | CITIZENS & NORTHERN | IXONIA BANK |
|---|---|---|
| Home Purchase | 535 | 8,753 |
| Other | 236 | 354 |
| Home Improvement | 160 | 45 |
| Refinancing | 139 | 528 |
| Cash-out Refinancing | 10 | 660 |
Summary
- 1,080 total applications · 788 originated
- Approval rate: 73.0%
- Denial rate: 11.6%
- Avg loan: $181,593
- Avg rate: 7.653%
- HQ: WELLSBORO, PA
- 10,340 total applications · 7,156 originated
- Approval rate: 69.2%
- Denial rate: 4.2%
- Avg loan: $289,378
- Avg rate: 6.861%
- HQ: IXONIA, WI
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.