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 | Click n' Close, | FNBC Bank |
|---|---|---|
| Total Applications | 17,433 ▲ | 266 |
| Loans Originated | 9,598 | 204 |
| Approval Rate (higher is better) | 55.1% | 76.7% ✓ |
| Denial Rate (lower is better) | 3.1% ✓ | 8.3% |
| Avg Loan Amount | $245,745 | $159,511 |
| Avg Interest Rate (lower is better) | 6.785% | N/A |
| Avg Applicant Income | $39,000 | N/A |
| Applications Denied | 538 | 22 |
| Applications Withdrawn | 7,175 | 38 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Click n' Close, | FNBC Bank |
|---|---|---|
| Conventional | 8,156 (46.8%) | 266 (100.0%) |
| FHA | 7,715 (44.3%) | — |
| VA | 805 (4.6%) | — |
| USDA | 757 (4.3%) | — |
Loan Purpose Breakdown
| Purpose | Click n' Close, | FNBC Bank |
|---|---|---|
| Home Purchase | 14,024 | 151 |
| Cash-out Refinancing | 2,164 | — |
| Refinancing | 1,244 | 67 |
| Other | 1 | 17 |
| Home Improvement | — | 31 |
Summary
- 17,433 total applications · 9,598 originated
- Approval rate: 55.1%
- Denial rate: 3.1%
- Avg loan: $245,745
- Avg rate: 6.785%
- HQ: ADDISON, TX
- 266 total applications · 204 originated
- Approval rate: 76.7%
- Denial rate: 8.3%
- Avg loan: $159,511
- HQ: Ash Flat, AR
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.