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, | GUILD MORTGAGE COMPANY |
|---|---|---|
| Total Applications | 17,606 | 109,550 ▲ |
| Loans Originated | 13,902 | 75,356 |
| Approval Rate (higher is better) | 79.0% ✓ | 68.8% |
| Denial Rate (lower is better) | 1.5% ✓ | 3.7% |
| Avg Loan Amount | $225,740 | $305,231 |
| Avg Interest Rate (lower is better) | 6.689% | 6.294% ✓ |
| Avg Applicant Income | $37,000 | $40,000 |
| Applications Denied | 258 | 4,014 |
| Applications Withdrawn | 2,797 | 18,198 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | FLAT BRANCH MORTGAGE, | GUILD MORTGAGE COMPANY |
|---|---|---|
| Conventional | 10,166 (57.7%) | 73,190 (66.8%) |
| FHA | 4,373 (24.8%) | 26,401 (24.1%) |
| VA | 1,891 (10.7%) | 8,434 (7.7%) |
| USDA | 1,176 (6.7%) | 1,525 (1.4%) |
Loan Purpose Breakdown
| Purpose | FLAT BRANCH MORTGAGE, | GUILD MORTGAGE COMPANY |
|---|---|---|
| Home Purchase | 16,173 | 87,995 |
| Refinancing | 726 | 7,524 |
| Cash-out Refinancing | 606 | 13,962 |
| Home Improvement | 74 | 18 |
| Other | — | 51 |
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
- 109,550 total applications · 75,356 originated
- Approval rate: 68.8%
- Denial rate: 3.7%
- Avg loan: $305,231
- Avg rate: 6.294%
- HQ: SAN DIEGO, CA
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.