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 State Bank | GEORGIA COMMUNITY BANK |
|---|---|---|
| Total Applications | 248 | 359 ▲ |
| Loans Originated | 246 | 345 |
| Approval Rate (higher is better) | 99.2% ✓ | 96.1% |
| Denial Rate (lower is better) | 0.4% ✓ | 1.4% |
| Avg Loan Amount | $142,177 | $120,487 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 1 | 5 |
| Applications Withdrawn | 1 | 0 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | First State Bank | GEORGIA COMMUNITY BANK |
|---|---|---|
| Conventional | 248 (100.0%) | 359 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | First State Bank | GEORGIA COMMUNITY BANK |
|---|---|---|
| Refinancing | 184 | 222 |
| Home Purchase | 58 | 121 |
| Home Improvement | 4 | 11 |
| Other | 2 | 5 |
Summary
- 248 total applications · 246 originated
- Approval rate: 99.2%
- Denial rate: 0.4%
- Avg loan: $142,177
- HQ: Blakely, GA
- 359 total applications · 345 originated
- Approval rate: 96.1%
- Denial rate: 1.4%
- Avg loan: $120,487
- HQ: DAWSON, GA
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.