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 | BANCFIRST | American Exchange Bank |
|---|---|---|
| Total Applications | 4,709 ▲ | 105 |
| Loans Originated | 3,713 | 69 |
| Approval Rate (higher is better) | 78.8% ✓ | 65.7% |
| Denial Rate (lower is better) | 10.0% ✓ | 13.3% |
| Avg Loan Amount | $149,088 | $114,429 |
| Avg Interest Rate (lower is better) | 7.970% | N/A |
| Avg Applicant Income | $34,000 | N/A |
| Applications Denied | 470 | 14 |
| Applications Withdrawn | 85 | 5 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | BANCFIRST | American Exchange Bank |
|---|---|---|
| Conventional | 4,433 (94.1%) | 95 (90.5%) |
| FHA | 187 (4.0%) | 10 (9.5%) |
| VA | 39 (0.8%) | — |
| USDA | 50 (1.1%) | — |
Loan Purpose Breakdown
| Purpose | BANCFIRST | American Exchange Bank |
|---|---|---|
| Home Purchase | 2,207 | 27 |
| Refinancing | 875 | 42 |
| Home Improvement | 857 | 17 |
| Other | 735 | 17 |
| Cash-out Refinancing | 35 | 2 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| Oklahoma | 3,689 | #3 |
No state data available.
Summary
- 4,709 total applications · 3,713 originated
- Approval rate: 78.8%
- Denial rate: 10.0%
- Avg loan: $149,088
- Avg rate: 7.970%
- HQ: OKLAHOMA CITY, OK
- 105 total applications · 69 originated
- Approval rate: 65.7%
- Denial rate: 13.3%
- Avg loan: $114,429
- HQ: HENRYETTA, OK
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.