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 Trust Bank, | Hearthside Bank Corporation |
|---|---|---|
| Total Applications | 2,886 ▲ | 221 |
| Loans Originated | 2,193 | 155 |
| Approval Rate (higher is better) | 76.0% ✓ | 70.1% |
| Denial Rate (lower is better) | 14.9% | 14.5% ✓ |
| Avg Loan Amount | $192,138 | $324,050 |
| Avg Interest Rate (lower is better) | 7.678% | N/A |
| Avg Applicant Income | $33,000 | N/A |
| Applications Denied | 431 | 32 |
| Applications Withdrawn | 202 | 25 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Community Trust Bank, | Hearthside Bank Corporation |
|---|---|---|
| Conventional | 2,886 (100.0%) | 219 (99.1%) |
| FHA | — | — |
| VA | — | 1 (0.5%) |
| USDA | — | 1 (0.5%) |
Loan Purpose Breakdown
| Purpose | Community Trust Bank, | Hearthside Bank Corporation |
|---|---|---|
| Home Purchase | 1,229 | 166 |
| Home Improvement | 585 | 16 |
| Refinancing | 541 | 29 |
| Other | 518 | 10 |
| Cash-out Refinancing | 13 | — |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| Kentucky | 1,896 | #7 |
No state data available.
Summary
- 2,886 total applications · 2,193 originated
- Approval rate: 76.0%
- Denial rate: 14.9%
- Avg loan: $192,138
- Avg rate: 7.678%
- HQ: Pikeville, KY
- 221 total applications · 155 originated
- Approval rate: 70.1%
- Denial rate: 14.5%
- Avg loan: $324,050
- HQ: Middlesboro, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.