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 State Bank | Peoples Bank & |
|---|---|---|
| Total Applications | 124 | 205 ▲ |
| Loans Originated | 96 | 152 |
| Approval Rate (higher is better) | 77.4% ✓ | 74.1% |
| Denial Rate (lower is better) | 7.3% ✓ | 7.3% |
| Avg Loan Amount | $186,129 | $191,878 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 9 | 15 |
| Applications Withdrawn | 15 | 0 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Community State Bank | Peoples Bank & |
|---|---|---|
| Conventional | 124 (100.0%) | 205 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | Community State Bank | Peoples Bank & |
|---|---|---|
| Home Purchase | 70 | 128 |
| Cash-out Refinancing | 19 | 4 |
| Home Improvement | 15 | 20 |
| Other | 12 | 19 |
| Refinancing | 8 | 34 |
Summary
- 124 total applications · 96 originated
- Approval rate: 77.4%
- Denial rate: 7.3%
- Avg loan: $186,129
- HQ: Bowling Green, MO
- 205 total applications · 152 originated
- Approval rate: 74.1%
- Denial rate: 7.3%
- Avg loan: $191,878
- HQ: Troy, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.