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 | Journey Bank | First Keystone Community |
|---|---|---|
| Total Applications | 1,145 ▲ | 357 |
| Loans Originated | 1,021 | 264 |
| Approval Rate (higher is better) | 89.2% ✓ | 73.9% |
| Denial Rate (lower is better) | 3.8% ✓ | 11.8% |
| Avg Loan Amount | $157,638 | $189,426 |
| Avg Interest Rate (lower is better) | 7.101% ✓ | 7.776% |
| Avg Applicant Income | $33,000 | $35,000 |
| Applications Denied | 44 | 42 |
| Applications Withdrawn | 56 | 28 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Journey Bank | First Keystone Community |
|---|---|---|
| Conventional | 1,117 (97.6%) | 357 (100.0%) |
| FHA | — | — |
| VA | 10 (0.9%) | — |
| USDA | 18 (1.6%) | — |
Loan Purpose Breakdown
| Purpose | Journey Bank | First Keystone Community |
|---|---|---|
| Home Purchase | 558 | 196 |
| Other | 250 | 40 |
| Refinancing | 210 | 22 |
| Home Improvement | 125 | 46 |
| Cash-out Refinancing | 2 | 53 |
Summary
- 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
- 357 total applications · 264 originated
- Approval rate: 73.9%
- Denial rate: 11.8%
- Avg loan: $189,426
- Avg rate: 7.776%
- HQ: Berwick, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.