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 | First Bank & | The Bank, National |
|---|---|---|
| Total Applications | 82 | 126 ▲ |
| Loans Originated | 55 | 118 |
| Approval Rate (higher is better) | 67.1% | 93.7% ✓ |
| Denial Rate (lower is better) | 11.0% | 6.3% ✓ |
| Avg Loan Amount | $136,341 | $168,492 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 9 | 8 |
| Applications Withdrawn | 15 | 0 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | First Bank & | The Bank, National |
|---|---|---|
| Conventional | 79 (96.3%) | 126 (100.0%) |
| FHA | 2 (2.4%) | — |
| VA | — | — |
| USDA | 1 (1.2%) | — |
Loan Purpose Breakdown
| Purpose | First Bank & | The Bank, National |
|---|---|---|
| Home Purchase | 56 | 52 |
| Refinancing | 15 | 57 |
| Home Improvement | 6 | 11 |
| Other | 5 | 6 |
Summary
- 82 total applications · 55 originated
- Approval rate: 67.1%
- Denial rate: 11.0%
- Avg loan: $136,341
- HQ: Perry, OK
- 126 total applications · 118 originated
- Approval rate: 93.7%
- Denial rate: 6.3%
- Avg loan: $168,492
- HQ: McAlester, OK
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.