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 | Peoples Bank and | The Citizens State |
|---|---|---|
| Total Applications | 1,094 ▲ | 106 |
| Loans Originated | 940 | 96 |
| Approval Rate (higher is better) | 85.9% | 90.6% ✓ |
| Denial Rate (lower is better) | 5.4% | 4.7% ✓ |
| Avg Loan Amount | $167,148 | $157,264 |
| Avg Interest Rate (lower is better) | 7.411% | N/A |
| Avg Applicant Income | $33,000 | N/A |
| Applications Denied | 59 | 5 |
| Applications Withdrawn | 88 | 1 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Peoples Bank and | The Citizens State |
|---|---|---|
| Conventional | 1,083 (99.0%) | 106 (100.0%) |
| FHA | 3 (0.3%) | — |
| VA | 2 (0.2%) | — |
| USDA | 6 (0.5%) | — |
Loan Purpose Breakdown
| Purpose | Peoples Bank and | The Citizens State |
|---|---|---|
| Home Purchase | 649 | 79 |
| Refinancing | 203 | 7 |
| Home Improvement | 138 | — |
| Other | 67 | 13 |
| Cash-out Refinancing | 37 | 7 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| Kansas | 924 | #9 |
No state data available.
Summary
- 1,094 total applications · 940 originated
- Approval rate: 85.9%
- Denial rate: 5.4%
- Avg loan: $167,148
- Avg rate: 7.411%
- HQ: McPherson, KS
- 106 total applications · 96 originated
- Approval rate: 90.6%
- Denial rate: 4.7%
- Avg loan: $157,264
- HQ: Moundridge, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.