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 | FirstBank Southwest | TIB, NATIONAL ASSOCIATION |
|---|---|---|
| Total Applications | 428 ▲ | 512 |
| Loans Originated | 330 | 225 |
| Approval Rate (higher is better) | 77.1% ✓ | 43.9% |
| Denial Rate (lower is better) | 10.5% ✓ | 11.7% |
| Avg Loan Amount | $164,626 | $326,289 |
| Avg Interest Rate (lower is better) | N/A | 6.666% |
| Avg Applicant Income | N/A | $34,000 |
| Applications Denied | 45 | 60 |
| Applications Withdrawn | 46 | 9 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | FirstBank Southwest | TIB, NATIONAL ASSOCIATION |
|---|---|---|
| Conventional | 384 (89.7%) | 425 (83.0%) |
| FHA | 43 (10.0%) | 49 (9.6%) |
| VA | — | 15 (2.9%) |
| USDA | 1 (0.2%) | 23 (4.5%) |
Loan Purpose Breakdown
| Purpose | FirstBank Southwest | TIB, NATIONAL ASSOCIATION |
|---|---|---|
| Home Purchase | 240 | 248 |
| Refinancing | 127 | 47 |
| Home Improvement | 37 | — |
| Other | 20 | 27 |
| Cash-out Refinancing | 4 | 190 |
Summary
- 428 total applications · 330 originated
- Approval rate: 77.1%
- Denial rate: 10.5%
- Avg loan: $164,626
- HQ: Amarillo, TX
- 512 total applications · 225 originated
- Approval rate: 43.9%
- Denial rate: 11.7%
- Avg loan: $326,289
- Avg rate: 6.666%
- HQ: FARMERS BRANCH, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.