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 | Denison State Bank | ENVISTA FEDERAL CREDIT |
|---|---|---|
| Total Applications | 132 | 1,521 ▲ |
| Loans Originated | 104 | 723 |
| Approval Rate (higher is better) | 78.8% ✓ | 47.5% |
| Denial Rate (lower is better) | 11.4% ✓ | 12.1% |
| Avg Loan Amount | $159,470 | $115,204 |
| Avg Interest Rate (lower is better) | N/A | 7.365% |
| Avg Applicant Income | N/A | $34,000 |
| Applications Denied | 15 | 184 |
| Applications Withdrawn | 9 | 13 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Denison State Bank | ENVISTA FEDERAL CREDIT |
|---|---|---|
| Conventional | 132 (100.0%) | 1,521 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | Denison State Bank | ENVISTA FEDERAL CREDIT |
|---|---|---|
| Home Purchase | 70 | 717 |
| Refinancing | 32 | 88 |
| Other | 17 | 119 |
| Home Improvement | 11 | 165 |
| Cash-out Refinancing | 2 | 432 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| Kansas | 718 | #15 |
Summary
- 132 total applications · 104 originated
- Approval rate: 78.8%
- Denial rate: 11.4%
- Avg loan: $159,470
- HQ: Holton, KS
- 1,521 total applications · 723 originated
- Approval rate: 47.5%
- Denial rate: 12.1%
- Avg loan: $115,204
- Avg rate: 7.365%
- HQ: TOPEKA, KS
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.