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 | Commercial Bank of | First National Bank |
|---|---|---|
| Total Applications | 174 ▲ | 188 |
| Loans Originated | 151 | 117 |
| Approval Rate (higher is better) | 86.8% ✓ | 62.2% |
| Denial Rate (lower is better) | 0.0% ✓ | 23.9% |
| Avg Loan Amount | $110,402 | $160,904 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 0 | 45 |
| Applications Withdrawn | 10 | 26 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Commercial Bank of | First National Bank |
|---|---|---|
| Conventional | 174 (100.0%) | 188 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | Commercial Bank of | First National Bank |
|---|---|---|
| Home Purchase | 100 | 112 |
| Refinancing | 41 | 56 |
| Other | 13 | 8 |
| Home Improvement | 10 | 12 |
| Cash-out Refinancing | 10 | — |
Summary
- 174 total applications · 151 originated
- Approval rate: 86.8%
- Denial rate: 0.0%
- Avg loan: $110,402
- HQ: Grayson, KY
- 188 total applications · 117 originated
- Approval rate: 62.2%
- Denial rate: 23.9%
- Avg loan: $160,904
- HQ: Grayson, KY
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.