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 | THE SAMSON BANKING |
|---|---|---|
| Total Applications | 111 ▲ | 100 |
| Loans Originated | 103 | 90 |
| Approval Rate (higher is better) | 92.8% ✓ | 90.0% |
| Denial Rate (lower is better) | 2.7% ✓ | 4.0% |
| Avg Loan Amount | $76,622 | $80,000 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 3 | 4 |
| Applications Withdrawn | 1 | 5 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | First National Bank | THE SAMSON BANKING |
|---|---|---|
| Conventional | 111 (100.0%) | 100 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | First National Bank | THE SAMSON BANKING |
|---|---|---|
| Refinancing | 67 | 42 |
| Home Purchase | 27 | 38 |
| Home Improvement | 12 | 9 |
| Other | 4 | 11 |
| Cash-out Refinancing | 1 | — |
Summary
- 111 total applications · 103 originated
- Approval rate: 92.8%
- Denial rate: 2.7%
- Avg loan: $76,622
- HQ: Hartford, AL
- 100 total applications · 90 originated
- Approval rate: 90.0%
- Denial rate: 4.0%
- Avg loan: $80,000
- HQ: Samson, AL
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.