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 | 21ST MORTGAGE | SABINE STATE BANK |
|---|---|---|
| Total Applications | 173,573 ▲ | 360 |
| Loans Originated | 30,274 | 228 |
| Approval Rate (higher is better) | 17.4% | 63.3% ✓ |
| Denial Rate (lower is better) | 44.1% | 13.1% ✓ |
| Avg Loan Amount | $118,852 | $289,639 |
| Avg Interest Rate (lower is better) | 10.246% | 7.496% ✓ |
| Avg Applicant Income | $39,000 | $35,000 |
| Applications Denied | 76,563 | 47 |
| Applications Withdrawn | 7,524 | 70 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | 21ST MORTGAGE | SABINE STATE BANK |
|---|---|---|
| Conventional | 173,572 (100.0%) | 230 (63.9%) |
| FHA | 1 (0.0%) | 74 (20.6%) |
| VA | — | 6 (1.7%) |
| USDA | — | 50 (13.9%) |
Loan Purpose Breakdown
| Purpose | 21ST MORTGAGE | SABINE STATE BANK |
|---|---|---|
| Home Purchase | 170,314 | 272 |
| Refinancing | 1,427 | 43 |
| Cash-out Refinancing | 676 | 23 |
| Home Improvement | 669 | 7 |
| Other | 487 | 15 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| Texas | 6,593 | #10 |
| Michigan | 2,162 | #18 |
| Alabama | 1,358 | #18 |
| Mississippi | 1,254 | #8 |
| Louisiana | 1,158 | #10 |
| Oklahoma | 906 | #15 |
| New Mexico | 811 | #9 |
| Arkansas | 666 | #17 |
No state data available.
Summary
- 173,573 total applications · 30,274 originated
- Approval rate: 17.4%
- Denial rate: 44.1%
- Avg loan: $118,852
- Avg rate: 10.246%
- HQ: KNOXVILLE, TN
- 360 total applications · 228 originated
- Approval rate: 63.3%
- Denial rate: 13.1%
- Avg loan: $289,639
- Avg rate: 7.496%
- HQ: MANY, LA
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.