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 | City National Bank | VANDERBILT MORTGAGE AND |
|---|---|---|
| Total Applications | 4,878 | 124,520 ▲ |
| Loans Originated | 2,967 | 20,306 |
| Approval Rate (higher is better) | 60.8% ✓ | 16.3% |
| Denial Rate (lower is better) | 25.4% ✓ | 42.7% |
| Avg Loan Amount | $157,452 | $136,987 |
| Avg Interest Rate (lower is better) | 6.011% ✓ | 8.482% |
| Avg Applicant Income | $34,000 | $37,000 |
| Applications Denied | 1,239 | 53,122 |
| Applications Withdrawn | 318 | 4,053 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | City National Bank | VANDERBILT MORTGAGE AND |
|---|---|---|
| Conventional | 4,878 (100.0%) | 120,046 (96.4%) |
| FHA | — | 3,092 (2.5%) |
| VA | — | 1,290 (1.0%) |
| USDA | — | 92 (0.1%) |
Loan Purpose Breakdown
| Purpose | City National Bank | VANDERBILT MORTGAGE AND |
|---|---|---|
| Home Improvement | 1,409 | — |
| Home Purchase | 1,262 | 123,615 |
| Refinancing | 1,143 | 68 |
| Other | 1,064 | — |
| Cash-out Refinancing | — | 373 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| West Virginia | 1,834 | #2 |
| State | Originated | Rank |
|---|---|---|
| South Carolina | 2,345 | #10 |
| Tennessee | 1,721 | #19 |
| Alabama | 1,559 | #14 |
| Kentucky | 1,137 | #16 |
| West Virginia | 480 | #12 |
Summary
- 4,878 total applications · 2,967 originated
- Approval rate: 60.8%
- Denial rate: 25.4%
- Avg loan: $157,452
- Avg rate: 6.011%
- HQ: Cross Lanes, WV
- 124,520 total applications · 20,306 originated
- Approval rate: 16.3%
- Denial rate: 42.7%
- Avg loan: $136,987
- Avg rate: 8.482%
- HQ: MARYVILLE, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.