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 | DSLD Mortgage LLC | GULF COAST BANK |
|---|---|---|
| Total Applications | 3,819 ▲ | 2,279 |
| Loans Originated | 2,774 | 1,545 |
| Approval Rate (higher is better) | 72.6% ✓ | 67.8% |
| Denial Rate (lower is better) | 7.8% ✓ | 11.8% |
| Avg Loan Amount | $263,060 | $298,221 |
| Avg Interest Rate (lower is better) | 6.057% ✓ | 7.441% |
| Avg Applicant Income | $39,000 | $38,000 |
| Applications Denied | 299 | 268 |
| Applications Withdrawn | 597 | 351 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | DSLD Mortgage LLC | GULF COAST BANK |
|---|---|---|
| Conventional | 1,617 (42.3%) | 1,720 (75.5%) |
| FHA | 1,313 (34.4%) | 460 (20.2%) |
| VA | 681 (17.8%) | 56 (2.5%) |
| USDA | 208 (5.4%) | 43 (1.9%) |
Loan Purpose Breakdown
| Purpose | DSLD Mortgage LLC | GULF COAST BANK |
|---|---|---|
| Home Purchase | 3,699 | 1,591 |
| Refinancing | 120 | 283 |
| Home Improvement | — | 201 |
| Other | — | 148 |
| Cash-out Refinancing | — | 56 |
Top States by Loan Volume
Summary
- 3,819 total applications · 2,774 originated
- Approval rate: 72.6%
- Denial rate: 7.8%
- Avg loan: $263,060
- Avg rate: 6.057%
- HQ: Baton Rouge, LA
- 2,279 total applications · 1,545 originated
- Approval rate: 67.8%
- Denial rate: 11.8%
- Avg loan: $298,221
- Avg rate: 7.441%
- HQ: Metairie, LA
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.