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 | CB&S Bank | FIRSTBANK |
|---|---|---|
| Total Applications | 1,218 | 21,086 ▲ |
| Loans Originated | 873 | 6,413 |
| Approval Rate (higher is better) | 71.7% ✓ | 30.4% |
| Denial Rate (lower is better) | 15.1% ✓ | 43.2% |
| Avg Loan Amount | $206,002 | $184,071 |
| Avg Interest Rate (lower is better) | 7.505% | 7.263% ✓ |
| Avg Applicant Income | $34,000 | $37,000 |
| Applications Denied | 184 | 9,112 |
| Applications Withdrawn | 136 | 1,337 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | CB&S Bank | FIRSTBANK |
|---|---|---|
| Conventional | 1,168 (95.9%) | 19,693 (93.4%) |
| FHA | 13 (1.1%) | 984 (4.7%) |
| VA | 17 (1.4%) | 322 (1.5%) |
| USDA | 20 (1.6%) | 87 (0.4%) |
Loan Purpose Breakdown
| Purpose | CB&S Bank | FIRSTBANK |
|---|---|---|
| Home Purchase | 509 | 18,657 |
| Refinancing | 303 | 571 |
| Home Improvement | 218 | 75 |
| Other | 166 | 1,298 |
| Cash-out Refinancing | 22 | 485 |
Top States by Loan Volume
Summary
- 1,218 total applications · 873 originated
- Approval rate: 71.7%
- Denial rate: 15.1%
- Avg loan: $206,002
- Avg rate: 7.505%
- HQ: Russellville, AL
- 21,086 total applications · 6,413 originated
- Approval rate: 30.4%
- Denial rate: 43.2%
- Avg loan: $184,071
- Avg rate: 7.263%
- HQ: LEXINGTON, TN
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.