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 Financial Bank | BANK OF ENGLAND |
|---|---|---|
| Total Applications | 414 | 5,645 ▲ |
| Loans Originated | 337 | 3,672 |
| Approval Rate (higher is better) | 81.4% ✓ | 65.0% |
| Denial Rate (lower is better) | 3.9% ✓ | 5.4% |
| Avg Loan Amount | $190,821 | $322,995 |
| Avg Interest Rate (lower is better) | 6.736% | 6.718% ✓ |
| Avg Applicant Income | $34,000 | $39,000 |
| Applications Denied | 16 | 304 |
| Applications Withdrawn | 56 | 1,425 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | First Financial Bank | BANK OF ENGLAND |
|---|---|---|
| Conventional | 267 (64.5%) | 3,227 (57.2%) |
| FHA | 95 (22.9%) | 1,798 (31.9%) |
| VA | 34 (8.2%) | 478 (8.5%) |
| USDA | 18 (4.3%) | 142 (2.5%) |
Loan Purpose Breakdown
| Purpose | First Financial Bank | BANK OF ENGLAND |
|---|---|---|
| Home Purchase | 320 | 4,689 |
| Cash-out Refinancing | 44 | 616 |
| Refinancing | 32 | 330 |
| Other | 14 | 5 |
| Home Improvement | 4 | 5 |
Summary
- 414 total applications · 337 originated
- Approval rate: 81.4%
- Denial rate: 3.9%
- Avg loan: $190,821
- Avg rate: 6.736%
- HQ: EL DORADO, AR
- 5,645 total applications · 3,672 originated
- Approval rate: 65.0%
- Denial rate: 5.4%
- Avg loan: $322,995
- Avg rate: 6.718%
- HQ: ENGLAND, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.