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 | b1BANK | Gibsland Bank & |
|---|---|---|
| Total Applications | 880 ▲ | 196 |
| Loans Originated | 697 | 154 |
| Approval Rate (higher is better) | 79.2% ✓ | 78.6% |
| Denial Rate (lower is better) | 6.7% ✓ | 7.1% |
| Avg Loan Amount | $321,523 | $175,969 |
| Avg Interest Rate (lower is better) | 8.479% | N/A |
| Avg Applicant Income | $32,000 | N/A |
| Applications Denied | 59 | 14 |
| Applications Withdrawn | 96 | 27 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | b1BANK | Gibsland Bank & |
|---|---|---|
| Conventional | 880 (100.0%) | 196 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | b1BANK | Gibsland Bank & |
|---|---|---|
| Refinancing | 401 | 85 |
| Home Purchase | 269 | 82 |
| Other | 113 | 9 |
| Home Improvement | 97 | 20 |
Summary
- 880 total applications · 697 originated
- Approval rate: 79.2%
- Denial rate: 6.7%
- Avg loan: $321,523
- Avg rate: 8.479%
- HQ: Baton Rouge, LA
- 196 total applications · 154 originated
- Approval rate: 78.6%
- Denial rate: 7.1%
- Avg loan: $175,969
- HQ: Minden, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.