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 | HOMELAND FEDERAL SAVINGS | Citizens Progressive Bank |
|---|---|---|
| Total Applications | 311 ▲ | 191 |
| Loans Originated | 254 | 167 |
| Approval Rate (higher is better) | 81.7% | 87.4% ✓ |
| Denial Rate (lower is better) | 5.5% | 4.2% ✓ |
| Avg Loan Amount | $182,203 | $167,408 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 17 | 8 |
| Applications Withdrawn | 38 | 14 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | HOMELAND FEDERAL SAVINGS | Citizens Progressive Bank |
|---|---|---|
| Conventional | 303 (97.4%) | 139 (72.8%) |
| FHA | 7 (2.3%) | 48 (25.1%) |
| VA | — | — |
| USDA | 1 (0.3%) | 4 (2.1%) |
Loan Purpose Breakdown
| Purpose | HOMELAND FEDERAL SAVINGS | Citizens Progressive Bank |
|---|---|---|
| Refinancing | 148 | 59 |
| Home Purchase | 109 | 117 |
| Other | 35 | 3 |
| Home Improvement | 17 | 11 |
| Cash-out Refinancing | 2 | 1 |
Summary
- 311 total applications · 254 originated
- Approval rate: 81.7%
- Denial rate: 5.5%
- Avg loan: $182,203
- HQ: COLUMBIA, LA
- 191 total applications · 167 originated
- Approval rate: 87.4%
- Denial rate: 4.2%
- Avg loan: $167,408
- HQ: Columbia, LA
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.