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 | KISH BANK |
|---|---|---|
| Total Applications | 417 | 755 ▲ |
| Loans Originated | 305 | 632 |
| Approval Rate (higher is better) | 73.1% | 83.7% ✓ |
| Denial Rate (lower is better) | 18.7% | 6.1% ✓ |
| Avg Loan Amount | $109,245 | $234,656 |
| Avg Interest Rate (lower is better) | 6.566% ✓ | 7.443% |
| Avg Applicant Income | $33,000 | $30,000 |
| Applications Denied | 78 | 46 |
| Applications Withdrawn | 26 | 63 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Community State Bank | KISH BANK |
|---|---|---|
| Conventional | 417 (100.0%) | 743 (98.4%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | 12 (1.6%) |
Loan Purpose Breakdown
| Purpose | Community State Bank | KISH BANK |
|---|---|---|
| Home Purchase | 119 | 415 |
| Home Improvement | 112 | 137 |
| Other | 109 | 108 |
| Refinancing | 77 | 13 |
| Cash-out Refinancing | — | 82 |
Summary
- 417 total applications · 305 originated
- Approval rate: 73.1%
- Denial rate: 18.7%
- Avg loan: $109,245
- Avg rate: 6.566%
- HQ: Orbisonia, PA
- 755 total applications · 632 originated
- Approval rate: 83.7%
- Denial rate: 6.1%
- Avg loan: $234,656
- Avg rate: 7.443%
- HQ: BELLEVILLE, PA
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.