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 | SERVICE 1ST FEDERAL | Mifflinburg Bank & |
|---|---|---|
| Total Applications | 741 ▲ | 183 |
| Loans Originated | 669 | 171 |
| Approval Rate (higher is better) | 90.3% | 93.4% ✓ |
| Denial Rate (lower is better) | 8.5% | 4.4% ✓ |
| Avg Loan Amount | $101,653 | $178,934 |
| Avg Interest Rate (lower is better) | 8.104% | N/A |
| Avg Applicant Income | $32,000 | N/A |
| Applications Denied | 63 | 8 |
| Applications Withdrawn | 3 | 2 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | SERVICE 1ST FEDERAL | Mifflinburg Bank & |
|---|---|---|
| Conventional | 741 (100.0%) | 183 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | SERVICE 1ST FEDERAL | Mifflinburg Bank & |
|---|---|---|
| Other | 442 | 14 |
| Home Improvement | 118 | 28 |
| Refinancing | 101 | 29 |
| Home Purchase | 70 | 112 |
| Cash-out Refinancing | 10 | — |
Summary
- 741 total applications · 669 originated
- Approval rate: 90.3%
- Denial rate: 8.5%
- Avg loan: $101,653
- Avg rate: 8.104%
- HQ: DANVILLE, PA
- 183 total applications · 171 originated
- Approval rate: 93.4%
- Denial rate: 4.4%
- Avg loan: $178,934
- HQ: Mifflinburg, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.