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 | Exchange Bank | Robins Financial Credit |
|---|---|---|
| Total Applications | 128 | 2,380 ▲ |
| Loans Originated | 80 | 1,457 |
| Approval Rate (higher is better) | 62.5% ✓ | 61.2% |
| Denial Rate (lower is better) | 17.2% ✓ | 29.6% |
| Avg Loan Amount | $258,047 | $107,811 |
| Avg Interest Rate (lower is better) | N/A | 6.346% |
| Avg Applicant Income | N/A | $35,000 |
| Applications Denied | 22 | 705 |
| Applications Withdrawn | 22 | 60 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Exchange Bank | Robins Financial Credit |
|---|---|---|
| Conventional | 128 (100.0%) | 2,361 (99.2%) |
| FHA | — | — |
| VA | — | 19 (0.8%) |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | Exchange Bank | Robins Financial Credit |
|---|---|---|
| Home Purchase | 63 | 405 |
| Refinancing | 47 | 93 |
| Cash-out Refinancing | 7 | 81 |
| Home Improvement | 6 | 1,165 |
| Other | 5 | 625 |
Summary
- 128 total applications · 80 originated
- Approval rate: 62.5%
- Denial rate: 17.2%
- Avg loan: $258,047
- HQ: Milledgeville, GA
- 2,380 total applications · 1,457 originated
- Approval rate: 61.2%
- Denial rate: 29.6%
- Avg loan: $107,811
- Avg rate: 6.346%
- HQ: Warner Robins, GA
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.