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 | American Bank & | STOCKTON MORTGAGE CORPORATION |
|---|---|---|
| Total Applications | 306 | 12,011 ▲ |
| Loans Originated | 247 | 7,797 |
| Approval Rate (higher is better) | 80.7% ✓ | 64.9% |
| Denial Rate (lower is better) | 4.9% ✓ | 6.5% |
| Avg Loan Amount | $275,588 | $244,232 |
| Avg Interest Rate (lower is better) | N/A | 6.552% |
| Avg Applicant Income | N/A | $39,000 |
| Applications Denied | 15 | 782 |
| Applications Withdrawn | 42 | 2,538 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | American Bank & | STOCKTON MORTGAGE CORPORATION |
|---|---|---|
| Conventional | 306 (100.0%) | 5,337 (44.4%) |
| FHA | — | 4,855 (40.4%) |
| VA | — | 1,169 (9.7%) |
| USDA | — | 650 (5.4%) |
Loan Purpose Breakdown
| Purpose | American Bank & | STOCKTON MORTGAGE CORPORATION |
|---|---|---|
| Home Purchase | 157 | 9,177 |
| Refinancing | 94 | 947 |
| Cash-out Refinancing | 33 | 1,808 |
| Home Improvement | 13 | — |
| Other | 9 | 79 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| Kentucky | 2,490 | #3 |
Summary
- 306 total applications · 247 originated
- Approval rate: 80.7%
- Denial rate: 4.9%
- Avg loan: $275,588
- HQ: Bowling Green, KY
- 12,011 total applications · 7,797 originated
- Approval rate: 64.9%
- Denial rate: 6.5%
- Avg loan: $244,232
- Avg rate: 6.552%
- HQ: FRANKFORT, KY
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.