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 | The Citizens National | Community Trust Bank, |
|---|---|---|
| Total Applications | 217 | 2,886 ▲ |
| Loans Originated | 178 | 2,193 |
| Approval Rate (higher is better) | 82.0% ✓ | 76.0% |
| Denial Rate (lower is better) | 9.2% ✓ | 14.9% |
| Avg Loan Amount | $179,931 | $192,138 |
| Avg Interest Rate (lower is better) | N/A | 7.678% |
| Avg Applicant Income | N/A | $33,000 |
| Applications Denied | 20 | 431 |
| Applications Withdrawn | 19 | 202 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | The Citizens National | Community Trust Bank, |
|---|---|---|
| Conventional | 216 (99.5%) | 2,886 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | 1 (0.5%) | — |
Loan Purpose Breakdown
| Purpose | The Citizens National | Community Trust Bank, |
|---|---|---|
| Home Purchase | 118 | 1,229 |
| Refinancing | 42 | 541 |
| Home Improvement | 26 | 585 |
| Other | 24 | 518 |
| Cash-out Refinancing | 7 | 13 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| Kentucky | 1,896 | #7 |
Summary
- 217 total applications · 178 originated
- Approval rate: 82.0%
- Denial rate: 9.2%
- Avg loan: $179,931
- HQ: Somerset, KY
- 2,886 total applications · 2,193 originated
- Approval rate: 76.0%
- Denial rate: 14.9%
- Avg loan: $192,138
- Avg rate: 7.678%
- HQ: Pikeville, KY
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.