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 | PINNACLE BANK | ARCHER COOPERATIVE CREDIT |
|---|---|---|
| Total Applications | 3,058 ▲ | 67 |
| Loans Originated | 2,573 | 47 |
| Approval Rate (higher is better) | 84.1% ✓ | 70.1% |
| Denial Rate (lower is better) | 5.0% ✓ | 6.0% |
| Avg Loan Amount | $266,033 | $153,806 |
| Avg Interest Rate (lower is better) | 7.256% | N/A |
| Avg Applicant Income | $34,000 | N/A |
| Applications Denied | 154 | 4 |
| Applications Withdrawn | 300 | 6 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | PINNACLE BANK | ARCHER COOPERATIVE CREDIT |
|---|---|---|
| Conventional | 2,839 (92.8%) | 67 (100.0%) |
| FHA | 136 (4.4%) | — |
| VA | 57 (1.9%) | — |
| USDA | 26 (0.9%) | — |
Loan Purpose Breakdown
| Purpose | PINNACLE BANK | ARCHER COOPERATIVE CREDIT |
|---|---|---|
| Home Purchase | 1,806 | 40 |
| Refinancing | 538 | 10 |
| Home Improvement | 407 | — |
| Other | 277 | — |
| Cash-out Refinancing | 30 | 17 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| Nebraska | 2,303 | #2 |
No state data available.
Summary
- 3,058 total applications · 2,573 originated
- Approval rate: 84.1%
- Denial rate: 5.0%
- Avg loan: $266,033
- Avg rate: 7.256%
- HQ: LINCOLN, NE
- 67 total applications · 47 originated
- Approval rate: 70.1%
- Denial rate: 6.0%
- Avg loan: $153,806
- HQ: ARCHER, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.