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 | Fidelity Bank & | Luana Savings Bank |
|---|---|---|
| Total Applications | 680 | 795 ▲ |
| Loans Originated | 629 | 671 |
| Approval Rate (higher is better) | 92.5% ✓ | 84.4% |
| Denial Rate (lower is better) | 4.4% | 3.4% ✓ |
| Avg Loan Amount | $160,721 | $268,333 |
| Avg Interest Rate (lower is better) | 6.944% | 6.680% ✓ |
| Avg Applicant Income | $30,000 | $30,000 |
| Applications Denied | 30 | 27 |
| Applications Withdrawn | 12 | 94 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Fidelity Bank & | Luana Savings Bank |
|---|---|---|
| Conventional | 680 (100.0%) | 795 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | Fidelity Bank & | Luana Savings Bank |
|---|---|---|
| Home Purchase | 296 | 550 |
| Refinancing | 180 | 178 |
| Home Improvement | 134 | 30 |
| Other | 67 | 14 |
| Cash-out Refinancing | 3 | 23 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| Iowa | 660 | #17 |
Summary
- 680 total applications · 629 originated
- Approval rate: 92.5%
- Denial rate: 4.4%
- Avg loan: $160,721
- Avg rate: 6.944%
- HQ: Maquoketa, IA
- 795 total applications · 671 originated
- Approval rate: 84.4%
- Denial rate: 3.4%
- Avg loan: $268,333
- Avg rate: 6.680%
- HQ: Luana, IA
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.