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 STATE BANK | EXCHANGE BANK & |
|---|---|---|
| Total Applications | 193 ▲ | 136 |
| Loans Originated | 165 | 99 |
| Approval Rate (higher is better) | 85.5% ✓ | 72.8% |
| Denial Rate (lower is better) | 5.7% ✓ | 12.5% |
| Avg Loan Amount | $152,565 | $248,750 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 11 | 17 |
| Applications Withdrawn | 3 | 10 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | UNION STATE BANK | EXCHANGE BANK & |
|---|---|---|
| Conventional | 193 (100.0%) | 136 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | UNION STATE BANK | EXCHANGE BANK & |
|---|---|---|
| Refinancing | 85 | 7 |
| Home Purchase | 77 | 87 |
| Home Improvement | 16 | 14 |
| Other | 15 | 8 |
| Cash-out Refinancing | — | 20 |
Summary
- 193 total applications · 165 originated
- Approval rate: 85.5%
- Denial rate: 5.7%
- Avg loan: $152,565
- HQ: EVEREST, KS
- 136 total applications · 99 originated
- Approval rate: 72.8%
- Denial rate: 12.5%
- Avg loan: $248,750
- HQ: ATCHISON, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.