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 | WALLICK AND VOLK, |
|---|---|---|
| Total Applications | 78 | 1,715 ▲ |
| Loans Originated | 44 | 1,322 |
| Approval Rate (higher is better) | 56.4% | 77.1% ✓ |
| Denial Rate (lower is better) | 15.4% | 5.7% ✓ |
| Avg Loan Amount | $264,872 | $280,563 |
| Avg Interest Rate (lower is better) | N/A | 6.080% |
| Avg Applicant Income | N/A | $39,000 |
| Applications Denied | 12 | 98 |
| Applications Withdrawn | 6 | 286 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | First National Bank | WALLICK AND VOLK, |
|---|---|---|
| Conventional | 78 (100.0%) | 917 (53.5%) |
| FHA | — | 621 (36.2%) |
| VA | — | 159 (9.3%) |
| USDA | — | 18 (1.0%) |
Loan Purpose Breakdown
| Purpose | First National Bank | WALLICK AND VOLK, |
|---|---|---|
| Home Purchase | 61 | 1,545 |
| Cash-out Refinancing | 11 | 101 |
| Other | 3 | — |
| Refinancing | 2 | 59 |
| Home Improvement | 1 | 10 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| Wyoming | 361 | #8 |
Summary
- 78 total applications · 44 originated
- Approval rate: 56.4%
- Denial rate: 15.4%
- Avg loan: $264,872
- HQ: Port Lavaca, TX
- 1,715 total applications · 1,322 originated
- Approval rate: 77.1%
- Denial rate: 5.7%
- Avg loan: $280,563
- Avg rate: 6.080%
- HQ: CHEYENNE, WY
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.