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 Community Bank | FNBC Bank |
|---|---|---|
| Total Applications | 1,829 ▲ | 266 |
| Loans Originated | 1,377 | 204 |
| Approval Rate (higher is better) | 75.3% | 76.7% ✓ |
| Denial Rate (lower is better) | 5.9% ✓ | 8.3% |
| Avg Loan Amount | $206,821 | $159,511 |
| Avg Interest Rate (lower is better) | 7.723% | N/A |
| Avg Applicant Income | $36,000 | N/A |
| Applications Denied | 108 | 22 |
| Applications Withdrawn | 334 | 38 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | First Community Bank | FNBC Bank |
|---|---|---|
| Conventional | 1,376 (75.2%) | 266 (100.0%) |
| FHA | 329 (18.0%) | — |
| VA | 72 (3.9%) | — |
| USDA | 52 (2.8%) | — |
Loan Purpose Breakdown
| Purpose | First Community Bank | FNBC Bank |
|---|---|---|
| Home Purchase | 1,297 | 151 |
| Refinancing | 237 | 67 |
| Cash-out Refinancing | 131 | — |
| Home Improvement | 123 | 31 |
| Other | 41 | 17 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| Arkansas | 1,208 | #6 |
No state data available.
Summary
- 1,829 total applications · 1,377 originated
- Approval rate: 75.3%
- Denial rate: 5.9%
- Avg loan: $206,821
- Avg rate: 7.723%
- HQ: Batesville, AR
- 266 total applications · 204 originated
- Approval rate: 76.7%
- Denial rate: 8.3%
- Avg loan: $159,511
- HQ: Ash Flat, AR
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.