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 | First Community Bank |
|---|---|---|
| Total Applications | 1,652 | 1,829 ▲ |
| Loans Originated | 1,333 | 1,377 |
| Approval Rate (higher is better) | 80.7% ✓ | 75.3% |
| Denial Rate (lower is better) | 8.7% | 5.9% ✓ |
| Avg Loan Amount | $187,869 | $206,821 |
| Avg Interest Rate (lower is better) | 7.944% | 7.723% ✓ |
| Avg Applicant Income | $32,000 | $36,000 |
| Applications Denied | 143 | 108 |
| Applications Withdrawn | 146 | 334 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | First Security Bank | First Community Bank |
|---|---|---|
| Conventional | 1,477 (89.4%) | 1,376 (75.2%) |
| FHA | 107 (6.5%) | 329 (18.0%) |
| VA | 30 (1.8%) | 72 (3.9%) |
| USDA | 38 (2.3%) | 52 (2.8%) |
Loan Purpose Breakdown
| Purpose | First Security Bank | First Community Bank |
|---|---|---|
| Home Purchase | 891 | 1,297 |
| Other | 245 | 41 |
| Home Improvement | 235 | 123 |
| Refinancing | 208 | 237 |
| Cash-out Refinancing | 73 | 131 |
Top States by Loan Volume
Summary
- 1,652 total applications · 1,333 originated
- Approval rate: 80.7%
- Denial rate: 8.7%
- Avg loan: $187,869
- Avg rate: 7.944%
- HQ: Searcy, AR
- 1,829 total applications · 1,377 originated
- Approval rate: 75.3%
- Denial rate: 5.9%
- Avg loan: $206,821
- Avg rate: 7.723%
- HQ: Batesville, AR
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.