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 | Woodsfield Savings Bank | The Citizens National |
|---|---|---|
| Total Applications | 101 ▲ | 52 |
| Loans Originated | 67 | 41 |
| Approval Rate (higher is better) | 66.3% | 78.8% ✓ |
| Denial Rate (lower is better) | 9.9% | 7.7% ✓ |
| Avg Loan Amount | $177,277 | $119,615 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 10 | 4 |
| Applications Withdrawn | 24 | 7 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Woodsfield Savings Bank | The Citizens National |
|---|---|---|
| Conventional | 101 (100.0%) | 52 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | Woodsfield Savings Bank | The Citizens National |
|---|---|---|
| Home Purchase | 61 | 27 |
| Cash-out Refinancing | 37 | — |
| Home Improvement | 1 | 2 |
| Other | 1 | — |
| Refinancing | 1 | 23 |
Summary
- 101 total applications · 67 originated
- Approval rate: 66.3%
- Denial rate: 9.9%
- Avg loan: $177,277
- HQ: Woodsfield, OH
- 52 total applications · 41 originated
- Approval rate: 78.8%
- Denial rate: 7.7%
- Avg loan: $119,615
- HQ: Woodsfield, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.