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 | JERSEY SHORE STATE | Journey Bank |
|---|---|---|
| Total Applications | 1,705 ▲ | 1,145 |
| Loans Originated | 1,469 | 1,021 |
| Approval Rate (higher is better) | 86.2% | 89.2% ✓ |
| Denial Rate (lower is better) | 4.8% | 3.8% ✓ |
| Avg Loan Amount | $130,713 | $157,638 |
| Avg Interest Rate (lower is better) | 6.002% ✓ | 7.101% |
| Avg Applicant Income | $32,000 | $33,000 |
| Applications Denied | 81 | 44 |
| Applications Withdrawn | 122 | 56 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | JERSEY SHORE STATE | Journey Bank |
|---|---|---|
| Conventional | 1,611 (94.5%) | 1,117 (97.6%) |
| FHA | — | — |
| VA | — | 10 (0.9%) |
| USDA | 94 (5.5%) | 18 (1.6%) |
Loan Purpose Breakdown
| Purpose | JERSEY SHORE STATE | Journey Bank |
|---|---|---|
| Home Purchase | 817 | 558 |
| Refinancing | 483 | 210 |
| Home Improvement | 251 | 125 |
| Other | 151 | 250 |
| Cash-out Refinancing | 3 | 2 |
Summary
- 1,705 total applications · 1,469 originated
- Approval rate: 86.2%
- Denial rate: 4.8%
- Avg loan: $130,713
- Avg rate: 6.002%
- HQ: WILLIAMSPORT, PA
- 1,145 total applications · 1,021 originated
- Approval rate: 89.2%
- Denial rate: 3.8%
- Avg loan: $157,638
- Avg rate: 7.101%
- HQ: Bloomsburg, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.