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 | Fayette County National | City National Bank |
|---|---|---|
| Total Applications | 95 | 4,878 ▲ |
| Loans Originated | 69 | 2,967 |
| Approval Rate (higher is better) | 72.6% ✓ | 60.8% |
| Denial Rate (lower is better) | 8.4% ✓ | 25.4% |
| Avg Loan Amount | $132,263 | $157,452 |
| Avg Interest Rate (lower is better) | N/A | 6.011% |
| Avg Applicant Income | N/A | $34,000 |
| Applications Denied | 8 | 1,239 |
| Applications Withdrawn | 7 | 318 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Fayette County National | City National Bank |
|---|---|---|
| Conventional | 95 (100.0%) | 4,878 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | Fayette County National | City National Bank |
|---|---|---|
| Home Purchase | 45 | 1,262 |
| Home Improvement | 19 | 1,409 |
| Refinancing | 17 | 1,143 |
| Other | 14 | 1,064 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| West Virginia | 1,834 | #2 |
Summary
- 95 total applications · 69 originated
- Approval rate: 72.6%
- Denial rate: 8.4%
- Avg loan: $132,263
- HQ: Fayetteville, WV
- 4,878 total applications · 2,967 originated
- Approval rate: 60.8%
- Denial rate: 25.4%
- Avg loan: $157,452
- Avg rate: 6.011%
- HQ: Cross Lanes, WV
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.