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 | Community First National | Landmark National Bank |
|---|---|---|
| Total Applications | 476 | 881 ▲ |
| Loans Originated | 381 | 700 |
| Approval Rate (higher is better) | 80.0% ✓ | 79.5% |
| Denial Rate (lower is better) | 5.7% | 4.0% ✓ |
| Avg Loan Amount | $320,063 | $232,775 |
| Avg Interest Rate (lower is better) | N/A | 6.584% |
| Avg Applicant Income | N/A | $34,000 |
| Applications Denied | 27 | 35 |
| Applications Withdrawn | 66 | 138 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Community First National | Landmark National Bank |
|---|---|---|
| Conventional | 291 (61.1%) | 691 (78.4%) |
| FHA | 29 (6.1%) | 61 (6.9%) |
| VA | 156 (32.8%) | 61 (6.9%) |
| USDA | — | 68 (7.7%) |
Loan Purpose Breakdown
| Purpose | Community First National | Landmark National Bank |
|---|---|---|
| Home Purchase | 343 | 770 |
| Refinancing | 68 | 39 |
| Cash-out Refinancing | 44 | 47 |
| Other | 14 | 13 |
| Home Improvement | 7 | 12 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| Kansas | 619 | #17 |
Summary
- 476 total applications · 381 originated
- Approval rate: 80.0%
- Denial rate: 5.7%
- Avg loan: $320,063
- HQ: Manhattan, KS
- 881 total applications · 700 originated
- Approval rate: 79.5%
- Denial rate: 4.0%
- Avg loan: $232,775
- Avg rate: 6.584%
- HQ: MANHATTAN, KS
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.