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 | City Bank & | JONES BANK |
|---|---|---|
| Total Applications | 261 ▲ | 52 |
| Loans Originated | 172 | 42 |
| Approval Rate (higher is better) | 65.9% | 80.8% ✓ |
| Denial Rate (lower is better) | 16.9% | 11.5% ✓ |
| Avg Loan Amount | $218,946 | $212,885 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 44 | 6 |
| Applications Withdrawn | 43 | 4 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | City Bank & | JONES BANK |
|---|---|---|
| Conventional | 228 (87.4%) | 52 (100.0%) |
| FHA | 13 (5.0%) | — |
| VA | 11 (4.2%) | — |
| USDA | 9 (3.4%) | — |
Loan Purpose Breakdown
| Purpose | City Bank & | JONES BANK |
|---|---|---|
| Home Purchase | 197 | 27 |
| Refinancing | 24 | 25 |
| Cash-out Refinancing | 17 | — |
| Home Improvement | 12 | — |
| Other | 11 | — |
Summary
- 261 total applications · 172 originated
- Approval rate: 65.9%
- Denial rate: 16.9%
- Avg loan: $218,946
- HQ: Crete, NE
- 52 total applications · 42 originated
- Approval rate: 80.8%
- Denial rate: 11.5%
- Avg loan: $212,885
- HQ: SEWARD, NE
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.