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 TRUST COMPANY | BTC Bank |
|---|---|---|
| Total Applications | 85 | 503 ▲ |
| Loans Originated | 80 | 442 |
| Approval Rate (higher is better) | 94.1% ✓ | 87.9% |
| Denial Rate (lower is better) | 5.9% ✓ | 8.2% |
| Avg Loan Amount | $161,471 | $143,052 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 5 | 41 |
| Applications Withdrawn | 0 | 7 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | COMMERCIAL TRUST COMPANY | BTC Bank |
|---|---|---|
| Conventional | 85 (100.0%) | 501 (99.6%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | 2 (0.4%) |
Loan Purpose Breakdown
| Purpose | COMMERCIAL TRUST COMPANY | BTC Bank |
|---|---|---|
| Home Purchase | 47 | 290 |
| Refinancing | 19 | 160 |
| Home Improvement | 13 | 32 |
| Other | 6 | 21 |
Summary
- 85 total applications · 80 originated
- Approval rate: 94.1%
- Denial rate: 5.9%
- Avg loan: $161,471
- HQ: FAYETTE, MO
- 503 total applications · 442 originated
- Approval rate: 87.9%
- Denial rate: 8.2%
- Avg loan: $143,052
- HQ: Bethany, MO
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.