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 | KAW VALLEY STATE | THE BENNINGTON STATE |
|---|---|---|
| Total Applications | 118 | 341 ▲ |
| Loans Originated | 110 | 272 |
| Approval Rate (higher is better) | 93.2% ✓ | 79.8% |
| Denial Rate (lower is better) | 3.4% ✓ | 5.0% |
| Avg Loan Amount | $180,932 | $180,660 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 4 | 17 |
| Applications Withdrawn | 3 | 34 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | KAW VALLEY STATE | THE BENNINGTON STATE |
|---|---|---|
| Conventional | 118 (100.0%) | 339 (99.4%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | 2 (0.6%) |
Loan Purpose Breakdown
| Purpose | KAW VALLEY STATE | THE BENNINGTON STATE |
|---|---|---|
| Home Purchase | 70 | 193 |
| Refinancing | 35 | 81 |
| Other | 11 | 33 |
| Home Improvement | 2 | 17 |
| Cash-out Refinancing | — | 17 |
Summary
- 118 total applications · 110 originated
- Approval rate: 93.2%
- Denial rate: 3.4%
- Avg loan: $180,932
- HQ: WAMEGO, KS
- 341 total applications · 272 originated
- Approval rate: 79.8%
- Denial rate: 5.0%
- Avg loan: $180,660
- HQ: SALINA, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.