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 | Community Bank, N.A. | NBT BANK NA |
|---|---|---|
| Total Applications | 7,169 ▲ | 3,039 |
| Loans Originated | 5,257 | 1,884 |
| Approval Rate (higher is better) | 73.3% ✓ | 62.0% |
| Denial Rate (lower is better) | 14.1% ✓ | 21.0% |
| Avg Loan Amount | $157,377 | $260,077 |
| Avg Interest Rate (lower is better) | 7.220% | 5.396% ✓ |
| Avg Applicant Income | $36,000 | $35,000 |
| Applications Denied | 1,013 | 638 |
| Applications Withdrawn | 796 | 171 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Community Bank, N.A. | NBT BANK NA |
|---|---|---|
| Conventional | 7,147 (99.7%) | 3,011 (99.1%) |
| FHA | — | 28 (0.9%) |
| VA | 13 (0.2%) | — |
| USDA | 9 (0.1%) | — |
Loan Purpose Breakdown
| Purpose | Community Bank, N.A. | NBT BANK NA |
|---|---|---|
| Home Purchase | 3,742 | 1,127 |
| Home Improvement | 1,883 | 509 |
| Refinancing | 862 | 605 |
| Other | 666 | 714 |
| Cash-out Refinancing | 16 | 84 |
Top States by Loan Volume
Summary
- 7,169 total applications · 5,257 originated
- Approval rate: 73.3%
- Denial rate: 14.1%
- Avg loan: $157,377
- Avg rate: 7.220%
- HQ: Canton, NY
- 3,039 total applications · 1,884 originated
- Approval rate: 62.0%
- Denial rate: 21.0%
- Avg loan: $260,077
- Avg rate: 5.396%
- HQ: NORWICH, NY
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.