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 | CNB BANK & |
|---|---|---|
| Total Applications | 172 | 512 ▲ |
| Loans Originated | 169 | 372 |
| Approval Rate (higher is better) | 98.3% ✓ | 72.7% |
| Denial Rate (lower is better) | 0.6% ✓ | 17.0% |
| Avg Loan Amount | $140,233 | $293,926 |
| Avg Interest Rate (lower is better) | N/A | 6.990% |
| Avg Applicant Income | N/A | $35,000 |
| Applications Denied | 1 | 87 |
| Applications Withdrawn | 1 | 41 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | First National Bank | CNB BANK & |
|---|---|---|
| Conventional | 172 (100.0%) | 502 (98.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | 10 (2.0%) |
Loan Purpose Breakdown
| Purpose | First National Bank | CNB BANK & |
|---|---|---|
| Home Purchase | 117 | 361 |
| Cash-out Refinancing | 20 | 23 |
| Refinancing | 17 | 54 |
| Home Improvement | 17 | 41 |
| Other | 1 | 33 |
Summary
- 172 total applications · 169 originated
- Approval rate: 98.3%
- Denial rate: 0.6%
- Avg loan: $140,233
- HQ: Pana, IL
- 512 total applications · 372 originated
- Approval rate: 72.7%
- Denial rate: 17.0%
- Avg loan: $293,926
- Avg rate: 6.990%
- HQ: JACKSONVILLE, IL
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.