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 | COMMUNITYAMERICA CREDIT UNION |
|---|---|---|
| Total Applications | 70 | 9,380 ▲ |
| Loans Originated | 58 | 6,246 |
| Approval Rate (higher is better) | 82.9% ✓ | 66.6% |
| Denial Rate (lower is better) | 5.7% ✓ | 15.0% |
| Avg Loan Amount | $171,143 | $199,674 |
| Avg Interest Rate (lower is better) | N/A | 6.860% |
| Avg Applicant Income | N/A | $34,000 |
| Applications Denied | 4 | 1,411 |
| Applications Withdrawn | 8 | 1,091 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | The Citizens State | COMMUNITYAMERICA CREDIT UNION |
|---|---|---|
| Conventional | 70 (100.0%) | 8,900 (94.9%) |
| FHA | — | 370 (3.9%) |
| VA | — | 100 (1.1%) |
| USDA | — | 10 (0.1%) |
Loan Purpose Breakdown
| Purpose | The Citizens State | COMMUNITYAMERICA CREDIT UNION |
|---|---|---|
| Refinancing | 32 | 1,501 |
| Home Purchase | 26 | 3,416 |
| Other | 10 | 1,735 |
| Home Improvement | 2 | 2,172 |
| Cash-out Refinancing | — | 556 |
Top States by Loan Volume
Summary
- 70 total applications · 58 originated
- Approval rate: 82.9%
- Denial rate: 5.7%
- Avg loan: $171,143
- HQ: Cheney, KS
- 9,380 total applications · 6,246 originated
- Approval rate: 66.6%
- Denial rate: 15.0%
- Avg loan: $199,674
- Avg rate: 6.860%
- HQ: LENEXA, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.