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 National Bank | DAS ACQUISITION COMPANY, |
|---|---|---|
| Total Applications | 395 | 12,120 ▲ |
| Loans Originated | 325 | 7,831 |
| Approval Rate (higher is better) | 82.3% ✓ | 64.6% |
| Denial Rate (lower is better) | 5.8% | 2.1% ✓ |
| Avg Loan Amount | $244,924 | $263,194 |
| Avg Interest Rate (lower is better) | 8.949% | 6.800% ✓ |
| Avg Applicant Income | $36,000 | $39,000 |
| Applications Denied | 23 | 253 |
| Applications Withdrawn | 0 | 1,335 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | First National Bank | DAS ACQUISITION COMPANY, |
|---|---|---|
| Conventional | 388 (98.2%) | 6,809 (56.2%) |
| FHA | 4 (1.0%) | 3,528 (29.1%) |
| VA | 1 (0.3%) | 1,046 (8.6%) |
| USDA | 2 (0.5%) | 737 (6.1%) |
Loan Purpose Breakdown
| Purpose | First National Bank | DAS ACQUISITION COMPANY, |
|---|---|---|
| Home Purchase | 229 | 10,856 |
| Refinancing | 77 | 567 |
| Home Improvement | 52 | 2 |
| Other | 36 | 16 |
| Cash-out Refinancing | 1 | 679 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| Missouri | 3,145 | #8 |
Summary
- 395 total applications · 325 originated
- Approval rate: 82.3%
- Denial rate: 5.8%
- Avg loan: $244,924
- Avg rate: 8.949%
- HQ: Paragould, AR
- 12,120 total applications · 7,831 originated
- Approval rate: 64.6%
- Denial rate: 2.1%
- Avg loan: $263,194
- Avg rate: 6.800%
- HQ: SAINT LOUIS, MO
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.