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 | FLAT BRANCH MORTGAGE, | Community National Bank |
|---|---|---|
| Total Applications | 17,606 ▲ | 1,454 |
| Loans Originated | 13,902 | 1,199 |
| Approval Rate (higher is better) | 79.0% | 82.5% ✓ |
| Denial Rate (lower is better) | 1.5% ✓ | 6.0% |
| Avg Loan Amount | $225,740 | $136,327 |
| Avg Interest Rate (lower is better) | 6.689% ✓ | 8.273% |
| Avg Applicant Income | $37,000 | $32,000 |
| Applications Denied | 258 | 87 |
| Applications Withdrawn | 2,797 | 140 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | FLAT BRANCH MORTGAGE, | Community National Bank |
|---|---|---|
| Conventional | 10,166 (57.7%) | 1,378 (94.8%) |
| FHA | 4,373 (24.8%) | 4 (0.3%) |
| VA | 1,891 (10.7%) | 23 (1.6%) |
| USDA | 1,176 (6.7%) | 49 (3.4%) |
Loan Purpose Breakdown
| Purpose | FLAT BRANCH MORTGAGE, | Community National Bank |
|---|---|---|
| Home Purchase | 16,173 | 612 |
| Refinancing | 726 | 333 |
| Cash-out Refinancing | 606 | 136 |
| Home Improvement | 74 | 218 |
| Other | — | 155 |
Top States by Loan Volume
Summary
- 17,606 total applications · 13,902 originated
- Approval rate: 79.0%
- Denial rate: 1.5%
- Avg loan: $225,740
- Avg rate: 6.689%
- HQ: COLUMBIA, MO
- 1,454 total applications · 1,199 originated
- Approval rate: 82.5%
- Denial rate: 6.0%
- Avg loan: $136,327
- Avg rate: 8.273%
- HQ: Chanute, KS
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.