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 State | EMPRISE BANK |
|---|---|---|
| Total Applications | 106 | 1,086 ▲ |
| Loans Originated | 96 | 630 |
| Approval Rate (higher is better) | 90.6% ✓ | 58.0% |
| Denial Rate (lower is better) | 4.7% ✓ | 31.1% |
| Avg Loan Amount | $157,264 | $218,738 |
| Avg Interest Rate (lower is better) | N/A | 7.895% |
| Avg Applicant Income | N/A | $32,000 |
| Applications Denied | 5 | 338 |
| Applications Withdrawn | 1 | 58 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | The Citizens State | EMPRISE BANK |
|---|---|---|
| Conventional | 106 (100.0%) | 1,086 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | The Citizens State | EMPRISE BANK |
|---|---|---|
| Home Purchase | 79 | 234 |
| Other | 13 | 168 |
| Refinancing | 7 | 335 |
| Cash-out Refinancing | 7 | — |
| Home Improvement | — | 349 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| Kansas | 614 | #19 |
Summary
- 106 total applications · 96 originated
- Approval rate: 90.6%
- Denial rate: 4.7%
- Avg loan: $157,264
- HQ: Moundridge, KS
- 1,086 total applications · 630 originated
- Approval rate: 58.0%
- Denial rate: 31.1%
- Avg loan: $218,738
- Avg rate: 7.895%
- HQ: WICHITA, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.