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 | EUREKA SAVINGS BANK | First State Mortgage |
|---|---|---|
| Total Applications | 167 | 1,543 ▲ |
| Loans Originated | 141 | 1,306 |
| Approval Rate (higher is better) | 84.4% | 84.6% ✓ |
| Denial Rate (lower is better) | 6.0% | 2.7% ✓ |
| Avg Loan Amount | $111,707 | $238,759 |
| Avg Interest Rate (lower is better) | N/A | 6.733% |
| Avg Applicant Income | N/A | $35,000 |
| Applications Denied | 10 | 41 |
| Applications Withdrawn | 10 | 187 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | EUREKA SAVINGS BANK | First State Mortgage |
|---|---|---|
| Conventional | 167 (100.0%) | 1,217 (78.9%) |
| FHA | — | 167 (10.8%) |
| VA | — | 82 (5.3%) |
| USDA | — | 77 (5.0%) |
Loan Purpose Breakdown
| Purpose | EUREKA SAVINGS BANK | First State Mortgage |
|---|---|---|
| Home Purchase | 92 | 1,399 |
| Cash-out Refinancing | 23 | 48 |
| Other | 21 | 1 |
| Home Improvement | 21 | 3 |
| Refinancing | 10 | 92 |
Summary
- 167 total applications · 141 originated
- Approval rate: 84.4%
- Denial rate: 6.0%
- Avg loan: $111,707
- HQ: LA SALLE, IL
- 1,543 total applications · 1,306 originated
- Approval rate: 84.6%
- Denial rate: 2.7%
- Avg loan: $238,759
- Avg rate: 6.733%
- HQ: Bloomington, IL
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.