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 Nodaway Valley | US BANK, N.A. |
|---|---|---|
| Total Applications | 406 | 202,480 ▲ |
| Loans Originated | 336 | 74,512 |
| Approval Rate (higher is better) | 82.8% ✓ | 36.8% |
| Denial Rate (lower is better) | 7.6% ✓ | 26.8% |
| Avg Loan Amount | $175,296 | $304,941 |
| Avg Interest Rate (lower is better) | N/A | 7.670% |
| Avg Applicant Income | N/A | $38,000 |
| Applications Denied | 31 | 54,155 |
| Applications Withdrawn | 24 | 18,416 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | The Nodaway Valley | US BANK, N.A. |
|---|---|---|
| Conventional | 406 (100.0%) | 173,516 (85.7%) |
| FHA | — | 24,336 (12.0%) |
| VA | — | 3,675 (1.8%) |
| USDA | — | 953 (0.5%) |
Loan Purpose Breakdown
| Purpose | The Nodaway Valley | US BANK, N.A. |
|---|---|---|
| Home Purchase | 201 | 97,147 |
| Refinancing | 129 | 13,412 |
| Home Improvement | 39 | 37,315 |
| Other | 37 | 42,622 |
| Cash-out Refinancing | — | 10,851 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| California | 16,584 | #3 |
| Illinois | 4,144 | #7 |
| Minnesota | 4,028 | #5 |
| Ohio | 3,721 | #12 |
| Missouri | 3,423 | #7 |
| Washington | 3,364 | #8 |
| Wisconsin | 2,745 | #11 |
| Colorado | 2,526 | #10 |
Summary
- 406 total applications · 336 originated
- Approval rate: 82.8%
- Denial rate: 7.6%
- Avg loan: $175,296
- HQ: Maryville, MO
- 202,480 total applications · 74,512 originated
- Approval rate: 36.8%
- Denial rate: 26.8%
- Avg loan: $304,941
- Avg rate: 7.670%
- HQ: CINCINNATI, OH
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.