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 | State Bank of | FirstBank of Nebraska |
|---|---|---|
| Total Applications | 73 | 138 ▲ |
| Loans Originated | 62 | 119 |
| Approval Rate (higher is better) | 84.9% | 86.2% ✓ |
| Denial Rate (lower is better) | 6.8% | 3.6% ✓ |
| Avg Loan Amount | $164,863 | $181,304 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 5 | 5 |
| Applications Withdrawn | 6 | 7 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | State Bank of | FirstBank of Nebraska |
|---|---|---|
| Conventional | 73 (100.0%) | 136 (98.6%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | 2 (1.4%) |
Loan Purpose Breakdown
| Purpose | State Bank of | FirstBank of Nebraska |
|---|---|---|
| Home Purchase | 50 | 87 |
| Refinancing | 8 | 7 |
| Other | 8 | 29 |
| Home Improvement | 7 | 11 |
| Cash-out Refinancing | — | 4 |
Summary
- 73 total applications · 62 originated
- Approval rate: 84.9%
- Denial rate: 6.8%
- Avg loan: $164,863
- HQ: Table Rock, NE
- 138 total applications · 119 originated
- Approval rate: 86.2%
- Denial rate: 3.6%
- Avg loan: $181,304
- HQ: Wahoo, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.