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 | CITIZENS BANK OF |
|---|---|---|
| Total Applications | 70 | 151 ▲ |
| Loans Originated | 58 | 112 |
| Approval Rate (higher is better) | 82.9% ✓ | 74.2% |
| Denial Rate (lower is better) | 5.7% ✓ | 13.3% |
| Avg Loan Amount | $171,143 | $202,550 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 4 | 20 |
| Applications Withdrawn | 8 | 16 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | The Citizens State | CITIZENS BANK OF |
|---|---|---|
| Conventional | 70 (100.0%) | 145 (96.0%) |
| FHA | — | 3 (2.0%) |
| VA | — | 1 (0.7%) |
| USDA | — | 2 (1.3%) |
Loan Purpose Breakdown
| Purpose | The Citizens State | CITIZENS BANK OF |
|---|---|---|
| Refinancing | 32 | 13 |
| Home Purchase | 26 | 105 |
| Other | 10 | 2 |
| Home Improvement | 2 | 7 |
| Cash-out Refinancing | — | 24 |
Summary
- 70 total applications · 58 originated
- Approval rate: 82.9%
- Denial rate: 5.7%
- Avg loan: $171,143
- HQ: Cheney, KS
- 151 total applications · 112 originated
- Approval rate: 74.2%
- Denial rate: 13.3%
- Avg loan: $202,550
- HQ: KINGMAN, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.