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 | CLEAR FORK BANK |
|---|---|---|
| Total Applications | 5,305 ▲ | 193 |
| Loans Originated | 3,975 | 169 |
| Approval Rate (higher is better) | 74.9% | 87.6% ✓ |
| Denial Rate (lower is better) | 10.9% | 3.1% ✓ |
| Avg Loan Amount | $270,329 | $177,332 |
| Avg Interest Rate (lower is better) | 7.359% | N/A |
| Avg Applicant Income | $36,000 | N/A |
| Applications Denied | 577 | 6 |
| Applications Withdrawn | 656 | 18 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | FIRST FINANCIAL BANK | CLEAR FORK BANK |
|---|---|---|
| Conventional | 4,847 (91.4%) | 193 (100.0%) |
| FHA | 282 (5.3%) | — |
| VA | 174 (3.3%) | — |
| USDA | 2 (0.0%) | — |
Loan Purpose Breakdown
| Purpose | FIRST FINANCIAL BANK | CLEAR FORK BANK |
|---|---|---|
| Home Purchase | 3,263 | 105 |
| Home Improvement | 897 | 18 |
| Other | 628 | 18 |
| Cash-out Refinancing | 317 | — |
| Refinancing | 200 | 52 |
Summary
- 5,305 total applications · 3,975 originated
- Approval rate: 74.9%
- Denial rate: 10.9%
- Avg loan: $270,329
- Avg rate: 7.359%
- HQ: FORT WORTH, TX
- 193 total applications · 169 originated
- Approval rate: 87.6%
- Denial rate: 3.1%
- Avg loan: $177,332
- HQ: ABILENE, TX
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.