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 | GEORGIA COMMUNITY BANK | AMERISAVE MORTGAGE COMPANY |
|---|---|---|
| Total Applications | 359 | 107,775 ▲ |
| Loans Originated | 345 | 16,102 |
| Approval Rate (higher is better) | 96.1% ✓ | 14.9% |
| Denial Rate (lower is better) | 1.4% ✓ | 69.0% |
| Avg Loan Amount | $120,487 | $175,493 |
| Avg Interest Rate (lower is better) | N/A | 8.494% |
| Avg Applicant Income | N/A | $40,000 |
| Applications Denied | 5 | 74,388 |
| Applications Withdrawn | 0 | 6,421 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | GEORGIA COMMUNITY BANK | AMERISAVE MORTGAGE COMPANY |
|---|---|---|
| Conventional | 359 (100.0%) | 70,858 (65.7%) |
| FHA | — | 30,256 (28.1%) |
| VA | — | 6,645 (6.2%) |
| USDA | — | 16 (0.0%) |
Loan Purpose Breakdown
| Purpose | GEORGIA COMMUNITY BANK | AMERISAVE MORTGAGE COMPANY |
|---|---|---|
| Refinancing | 222 | 5,084 |
| Home Purchase | 121 | 8,289 |
| Home Improvement | 11 | — |
| Other | 5 | — |
| Cash-out Refinancing | — | 94,402 |
Summary
- 359 total applications · 345 originated
- Approval rate: 96.1%
- Denial rate: 1.4%
- Avg loan: $120,487
- HQ: DAWSON, GA
- 107,775 total applications · 16,102 originated
- Approval rate: 14.9%
- Denial rate: 69.0%
- Avg loan: $175,493
- Avg rate: 8.494%
- HQ: SANDY SPRINGS, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.