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 | CENTRA CREDIT UNION | First Financial Bank |
|---|---|---|
| Total Applications | 2,540 | 10,033 ▲ |
| Loans Originated | 2,019 | 6,448 |
| Approval Rate (higher is better) | 79.5% ✓ | 64.3% |
| Denial Rate (lower is better) | 7.9% ✓ | 27.7% |
| Avg Loan Amount | $114,854 | $189,978 |
| Avg Interest Rate (lower is better) | 6.731% | 6.324% ✓ |
| Avg Applicant Income | $33,000 | $36,000 |
| Applications Denied | 200 | 2,779 |
| Applications Withdrawn | 279 | 688 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | CENTRA CREDIT UNION | First Financial Bank |
|---|---|---|
| Conventional | 2,540 (100.0%) | 9,763 (97.3%) |
| FHA | — | 210 (2.1%) |
| VA | — | 40 (0.4%) |
| USDA | — | 20 (0.2%) |
Loan Purpose Breakdown
| Purpose | CENTRA CREDIT UNION | First Financial Bank |
|---|---|---|
| Other | 850 | 2,409 |
| Home Improvement | 461 | 1,659 |
| Home Purchase | 447 | 3,785 |
| Refinancing | 404 | 263 |
| Cash-out Refinancing | 378 | 1,917 |
Top States by Loan Volume
Summary
- 2,540 total applications · 2,019 originated
- Approval rate: 79.5%
- Denial rate: 7.9%
- Avg loan: $114,854
- Avg rate: 6.731%
- HQ: COLUMBUS, IN
- 10,033 total applications · 6,448 originated
- Approval rate: 64.3%
- Denial rate: 27.7%
- Avg loan: $189,978
- Avg rate: 6.324%
- HQ: Cincinnati, OH
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.