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 | Citizens Deposit Bank |
|---|---|---|
| Total Applications | 209 ▲ | 141 |
| Loans Originated | 163 | 118 |
| Approval Rate (higher is better) | 78.0% | 83.7% ✓ |
| Denial Rate (lower is better) | 12.0% | 7.8% ✓ |
| Avg Loan Amount | $139,019 | $176,135 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 25 | 11 |
| Applications Withdrawn | 18 | 0 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | First Community Bank | Citizens Deposit Bank |
|---|---|---|
| Conventional | 209 (100.0%) | 141 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | First Community Bank | Citizens Deposit Bank |
|---|---|---|
| Home Purchase | 103 | 93 |
| Refinancing | 68 | 38 |
| Home Improvement | 27 | 8 |
| Other | 10 | 2 |
| Cash-out Refinancing | 1 | — |
Summary
- 209 total applications · 163 originated
- Approval rate: 78.0%
- Denial rate: 12.0%
- Avg loan: $139,019
- HQ: Clinton, KY
- 141 total applications · 118 originated
- Approval rate: 83.7%
- Denial rate: 7.8%
- Avg loan: $176,135
- HQ: Arlington, KY
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.