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 | LINCOLN FEDERAL SVGS | FIRST NATIONAL BANK |
|---|---|---|
| Total Applications | 1,024 | 7,537 ▲ |
| Loans Originated | 832 | 4,818 |
| Approval Rate (higher is better) | 81.3% ✓ | 63.9% |
| Denial Rate (lower is better) | 2.8% ✓ | 17.0% |
| Avg Loan Amount | $258,936 | $232,407 |
| Avg Interest Rate (lower is better) | 6.496% ✓ | 6.952% |
| Avg Applicant Income | $37,000 | $36,000 |
| Applications Denied | 29 | 1,283 |
| Applications Withdrawn | 151 | 1,160 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | LINCOLN FEDERAL SVGS | FIRST NATIONAL BANK |
|---|---|---|
| Conventional | 836 (81.6%) | 7,032 (93.3%) |
| FHA | 115 (11.2%) | 349 (4.6%) |
| VA | 66 (6.4%) | 129 (1.7%) |
| USDA | 7 (0.7%) | 27 (0.4%) |
Loan Purpose Breakdown
| Purpose | LINCOLN FEDERAL SVGS | FIRST NATIONAL BANK |
|---|---|---|
| Home Purchase | 864 | 3,573 |
| Refinancing | 61 | 1,110 |
| Cash-out Refinancing | 48 | 272 |
| Other | 31 | 1,049 |
| Home Improvement | 20 | 1,533 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| Nebraska | 805 | #12 |
| State | Originated | Rank |
|---|---|---|
| Nebraska | 2,548 | #1 |
| South Dakota | 210 | #20 |
Summary
- 1,024 total applications · 832 originated
- Approval rate: 81.3%
- Denial rate: 2.8%
- Avg loan: $258,936
- Avg rate: 6.496%
- HQ: Lincoln, NE
- 7,537 total applications · 4,818 originated
- Approval rate: 63.9%
- Denial rate: 17.0%
- Avg loan: $232,407
- Avg rate: 6.952%
- HQ: OMAHA, NE
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.