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 | Visions Federal Credit | Tioga State Bank, |
|---|---|---|
| Total Applications | 3,066 ▲ | 279 |
| Loans Originated | 1,411 | 216 |
| Approval Rate (higher is better) | 46.0% | 77.4% ✓ |
| Denial Rate (lower is better) | 29.8% | 12.9% ✓ |
| Avg Loan Amount | $118,098 | $191,022 |
| Avg Interest Rate (lower is better) | 7.665% | N/A |
| Avg Applicant Income | $37,000 | N/A |
| Applications Denied | 914 | 36 |
| Applications Withdrawn | 406 | 18 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Visions Federal Credit | Tioga State Bank, |
|---|---|---|
| Conventional | 3,066 (100.0%) | 279 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | Visions Federal Credit | Tioga State Bank, |
|---|---|---|
| Home Improvement | 1,374 | 44 |
| Other | 765 | 24 |
| Cash-out Refinancing | 520 | — |
| Home Purchase | 387 | 178 |
| Refinancing | 20 | 33 |
Summary
- 3,066 total applications · 1,411 originated
- Approval rate: 46.0%
- Denial rate: 29.8%
- Avg loan: $118,098
- Avg rate: 7.665%
- HQ: Endicott, NY
- 279 total applications · 216 originated
- Approval rate: 77.4%
- Denial rate: 12.9%
- Avg loan: $191,022
- HQ: Spencer, NY
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.