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 | CAPON VALLEY BANK | Pendleton Community Bank |
|---|---|---|
| Total Applications | 85 | 181 ▲ |
| Loans Originated | 82 | 144 |
| Approval Rate (higher is better) | 96.5% ✓ | 79.6% |
| Denial Rate (lower is better) | 2.4% ✓ | 12.2% |
| Avg Loan Amount | $214,647 | $191,519 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 2 | 22 |
| Applications Withdrawn | 0 | 3 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | CAPON VALLEY BANK | Pendleton Community Bank |
|---|---|---|
| Conventional | 85 (100.0%) | 181 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | CAPON VALLEY BANK | Pendleton Community Bank |
|---|---|---|
| Home Purchase | 56 | 126 |
| Cash-out Refinancing | 11 | — |
| Home Improvement | 8 | 10 |
| Refinancing | 6 | 30 |
| Other | 4 | 15 |
Summary
- 85 total applications · 82 originated
- Approval rate: 96.5%
- Denial rate: 2.4%
- Avg loan: $214,647
- HQ: WARDENSVILLE, WV
- 181 total applications · 144 originated
- Approval rate: 79.6%
- Denial rate: 12.2%
- Avg loan: $191,519
- HQ: Franklin, WV
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.