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 | ALLIANCE COMMUNITY BANK | Petefish Skiles & |
|---|---|---|
| Total Applications | 304 | 476 ▲ |
| Loans Originated | 231 | 308 |
| Approval Rate (higher is better) | 76.0% ✓ | 64.7% |
| Denial Rate (lower is better) | 5.6% ✓ | 20.2% |
| Avg Loan Amount | $150,263 | $134,874 |
| Avg Interest Rate (lower is better) | N/A | 6.967% |
| Avg Applicant Income | N/A | $32,000 |
| Applications Denied | 17 | 96 |
| Applications Withdrawn | 9 | 72 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | ALLIANCE COMMUNITY BANK | Petefish Skiles & |
|---|---|---|
| Conventional | 304 (100.0%) | 407 (85.5%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | 69 (14.5%) |
Loan Purpose Breakdown
| Purpose | ALLIANCE COMMUNITY BANK | Petefish Skiles & |
|---|---|---|
| Home Purchase | 206 | 328 |
| Refinancing | 52 | 97 |
| Cash-out Refinancing | 30 | 38 |
| Other | 14 | 13 |
| Home Improvement | 2 | — |
Summary
- 304 total applications · 231 originated
- Approval rate: 76.0%
- Denial rate: 5.6%
- Avg loan: $150,263
- HQ: PETERSBURG, IL
- 476 total applications · 308 originated
- Approval rate: 64.7%
- Denial rate: 20.2%
- Avg loan: $134,874
- Avg rate: 6.967%
- HQ: Virginia, IL
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.