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 | Riley State Bank | GNBANK, N.A. |
|---|---|---|
| Total Applications | 25 | 269 ▲ |
| Loans Originated | 25 | 175 |
| Approval Rate (higher is better) | 100.0% ✓ | 65.1% |
| Denial Rate (lower is better) | 0.0% ✓ | 13.8% |
| Avg Loan Amount | $92,600 | $159,833 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 0 | 37 |
| Applications Withdrawn | 0 | 50 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Riley State Bank | GNBANK, N.A. |
|---|---|---|
| Conventional | 25 (100.0%) | 240 (89.2%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | 29 (10.8%) |
Loan Purpose Breakdown
| Purpose | Riley State Bank | GNBANK, N.A. |
|---|---|---|
| Home Purchase | 16 | 123 |
| Refinancing | 6 | 100 |
| Cash-out Refinancing | 3 | 2 |
| Other | — | 31 |
| Home Improvement | — | 13 |
Summary
- 25 total applications · 25 originated
- Approval rate: 100.0%
- Denial rate: 0.0%
- Avg loan: $92,600
- HQ: Riley, KS
- 269 total applications · 175 originated
- Approval rate: 65.1%
- Denial rate: 13.8%
- Avg loan: $159,833
- HQ: GIRARD, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.