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 | Union Bank and | PINNACLE BANK |
|---|---|---|
| Total Applications | 1,796 | 3,058 ▲ |
| Loans Originated | 1,299 | 2,573 |
| Approval Rate (higher is better) | 72.3% | 84.1% ✓ |
| Denial Rate (lower is better) | 13.5% | 5.0% ✓ |
| Avg Loan Amount | $209,555 | $266,033 |
| Avg Interest Rate (lower is better) | 6.798% ✓ | 7.256% |
| Avg Applicant Income | $35,000 | $34,000 |
| Applications Denied | 242 | 154 |
| Applications Withdrawn | 200 | 300 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Union Bank and | PINNACLE BANK |
|---|---|---|
| Conventional | 1,720 (95.8%) | 2,839 (92.8%) |
| FHA | 57 (3.2%) | 136 (4.4%) |
| VA | 19 (1.1%) | 57 (1.9%) |
| USDA | — | 26 (0.9%) |
Loan Purpose Breakdown
| Purpose | Union Bank and | PINNACLE BANK |
|---|---|---|
| Home Purchase | 951 | 1,806 |
| Home Improvement | 374 | 407 |
| Other | 245 | 277 |
| Refinancing | 172 | 538 |
| Cash-out Refinancing | 54 | 30 |
Top States by Loan Volume
Summary
- 1,796 total applications · 1,299 originated
- Approval rate: 72.3%
- Denial rate: 13.5%
- Avg loan: $209,555
- Avg rate: 6.798%
- HQ: Lincoln, NE
- 3,058 total applications · 2,573 originated
- Approval rate: 84.1%
- Denial rate: 5.0%
- Avg loan: $266,033
- Avg rate: 7.256%
- HQ: LINCOLN, NE
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.