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 | PROSPERITY BANK |
|---|---|---|
| Total Applications | 138 | 5,407 ▲ |
| Loans Originated | 125 | 2,451 |
| Approval Rate (higher is better) | 90.6% ✓ | 45.3% |
| Denial Rate (lower is better) | 3.6% ✓ | 25.9% |
| Avg Loan Amount | $178,261 | $560,400 |
| Avg Interest Rate (lower is better) | N/A | 7.538% |
| Avg Applicant Income | N/A | $37,000 |
| Applications Denied | 5 | 1,400 |
| Applications Withdrawn | 0 | 1,053 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | First National Bank | PROSPERITY BANK |
|---|---|---|
| Conventional | 137 (99.3%) | 5,177 (95.7%) |
| FHA | — | 214 (4.0%) |
| VA | 1 (0.7%) | 16 (0.3%) |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | First National Bank | PROSPERITY BANK |
|---|---|---|
| Home Purchase | 78 | 3,413 |
| Home Improvement | 28 | 747 |
| Cash-out Refinancing | 17 | 174 |
| Other | 10 | 448 |
| Refinancing | 5 | 625 |
Summary
- 138 total applications · 125 originated
- Approval rate: 90.6%
- Denial rate: 3.6%
- Avg loan: $178,261
- HQ: Huntsville, TX
- 5,407 total applications · 2,451 originated
- Approval rate: 45.3%
- Denial rate: 25.9%
- Avg loan: $560,400
- Avg rate: 7.538%
- HQ: LAKEWAY, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.