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 | BANK OF KAMPSVILLE | BANK OF CALHOUN |
|---|---|---|
| Total Applications | 29 | 34 ▲ |
| Loans Originated | 24 | 32 |
| Approval Rate (higher is better) | 82.8% | 94.1% ✓ |
| Denial Rate (lower is better) | 6.9% | 2.9% ✓ |
| Avg Loan Amount | $109,828 | $101,471 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 2 | 1 |
| Applications Withdrawn | 3 | 0 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | BANK OF KAMPSVILLE | BANK OF CALHOUN |
|---|---|---|
| Conventional | 29 (100.0%) | 34 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | BANK OF KAMPSVILLE | BANK OF CALHOUN |
|---|---|---|
| Home Purchase | 18 | 21 |
| Cash-out Refinancing | 6 | — |
| Refinancing | 4 | 1 |
| Other | 1 | 5 |
| Home Improvement | — | 7 |
Summary
- 29 total applications · 24 originated
- Approval rate: 82.8%
- Denial rate: 6.9%
- Avg loan: $109,828
- HQ: Kampsville, IL
- 34 total applications · 32 originated
- Approval rate: 94.1%
- Denial rate: 2.9%
- Avg loan: $101,471
- HQ: HARDIN, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.