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 | KISH BANK | JERSEY SHORE STATE |
|---|---|---|
| Total Applications | 755 | 1,705 ▲ |
| Loans Originated | 632 | 1,469 |
| Approval Rate (higher is better) | 83.7% | 86.2% ✓ |
| Denial Rate (lower is better) | 6.1% | 4.8% ✓ |
| Avg Loan Amount | $234,656 | $130,713 |
| Avg Interest Rate (lower is better) | 7.443% | 6.002% ✓ |
| Avg Applicant Income | $30,000 | $32,000 |
| Applications Denied | 46 | 81 |
| Applications Withdrawn | 63 | 122 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | KISH BANK | JERSEY SHORE STATE |
|---|---|---|
| Conventional | 743 (98.4%) | 1,611 (94.5%) |
| FHA | — | — |
| VA | — | — |
| USDA | 12 (1.6%) | 94 (5.5%) |
Loan Purpose Breakdown
| Purpose | KISH BANK | JERSEY SHORE STATE |
|---|---|---|
| Home Purchase | 415 | 817 |
| Home Improvement | 137 | 251 |
| Other | 108 | 151 |
| Cash-out Refinancing | 82 | 3 |
| Refinancing | 13 | 483 |
Summary
- 755 total applications · 632 originated
- Approval rate: 83.7%
- Denial rate: 6.1%
- Avg loan: $234,656
- Avg rate: 7.443%
- HQ: BELLEVILLE, PA
- 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
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.