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 | ESB Financial |
|---|---|---|
| Total Applications | 70 | 104 ▲ |
| Loans Originated | 63 | 99 |
| Approval Rate (higher is better) | 90.0% | 95.2% ✓ |
| Denial Rate (lower is better) | 2.9% | 0.0% ✓ |
| Avg Loan Amount | $121,429 | $248,750 |
| Avg Interest Rate (lower is better) | N/A | 7.396% |
| Avg Applicant Income | N/A | $28,000 |
| Applications Denied | 2 | 0 |
| Applications Withdrawn | 2 | 5 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | The Citizens State | ESB Financial |
|---|---|---|
| Conventional | 70 (100.0%) | 104 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | The Citizens State | ESB Financial |
|---|---|---|
| Home Purchase | 40 | 62 |
| Cash-out Refinancing | 16 | — |
| Refinancing | 7 | 39 |
| Home Improvement | 6 | 3 |
| Other | 1 | — |
Summary
- 70 total applications · 63 originated
- Approval rate: 90.0%
- Denial rate: 2.9%
- Avg loan: $121,429
- HQ: Gridley, KS
- 104 total applications · 99 originated
- Approval rate: 95.2%
- Denial rate: 0.0%
- Avg loan: $248,750
- Avg rate: 7.396%
- HQ: Emporia, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.