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 | Amarillo National Bank | FirstBank Southwest |
|---|---|---|
| Total Applications | 3,875 ▲ | 428 |
| Loans Originated | 1,776 | 330 |
| Approval Rate (higher is better) | 45.8% | 77.1% ✓ |
| Denial Rate (lower is better) | 8.7% ✓ | 10.5% |
| Avg Loan Amount | $196,086 | $164,626 |
| Avg Interest Rate (lower is better) | 7.579% | N/A |
| Avg Applicant Income | $37,000 | N/A |
| Applications Denied | 337 | 45 |
| Applications Withdrawn | 108 | 46 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Amarillo National Bank | FirstBank Southwest |
|---|---|---|
| Conventional | 3,196 (82.5%) | 384 (89.7%) |
| FHA | 584 (15.1%) | 43 (10.0%) |
| VA | 88 (2.3%) | — |
| USDA | 7 (0.2%) | 1 (0.2%) |
Loan Purpose Breakdown
| Purpose | Amarillo National Bank | FirstBank Southwest |
|---|---|---|
| Home Purchase | 2,331 | 240 |
| Other | 1,260 | 20 |
| Cash-out Refinancing | 142 | 4 |
| Refinancing | 117 | 127 |
| Home Improvement | 25 | 37 |
Summary
- 3,875 total applications · 1,776 originated
- Approval rate: 45.8%
- Denial rate: 8.7%
- Avg loan: $196,086
- Avg rate: 7.579%
- HQ: Amarillo, TX
- 428 total applications · 330 originated
- Approval rate: 77.1%
- Denial rate: 10.5%
- Avg loan: $164,626
- HQ: Amarillo, TX
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.