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 Security Bank | GUARANTY BANK & |
|---|---|---|
| Total Applications | 180 | 1,037 ▲ |
| Loans Originated | 162 | 736 |
| Approval Rate (higher is better) | 90.0% ✓ | 71.0% |
| Denial Rate (lower is better) | 3.9% ✓ | 16.3% |
| Avg Loan Amount | $197,278 | $251,644 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 7 | 169 |
| Applications Withdrawn | 11 | 128 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | First Security Bank | GUARANTY BANK & |
|---|---|---|
| Conventional | 180 (100.0%) | 902 (87.0%) |
| FHA | — | 102 (9.8%) |
| VA | — | 11 (1.1%) |
| USDA | — | 22 (2.1%) |
Loan Purpose Breakdown
| Purpose | First Security Bank | GUARANTY BANK & |
|---|---|---|
| Home Purchase | 107 | 732 |
| Home Improvement | 28 | 73 |
| Refinancing | 27 | 197 |
| Other | 18 | 15 |
| Cash-out Refinancing | — | 20 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| Mississippi | 668 | #14 |
Summary
- 180 total applications · 162 originated
- Approval rate: 90.0%
- Denial rate: 3.9%
- Avg loan: $197,278
- HQ: Batesville, MS
- 1,037 total applications · 736 originated
- Approval rate: 71.0%
- Denial rate: 16.3%
- Avg loan: $251,644
- HQ: BELZONI, MS
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.