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 | Great Plains National | FIRST UNITED BANK |
|---|---|---|
| Total Applications | 1,628 | 10,342 ▲ |
| Loans Originated | 1,328 | 7,177 |
| Approval Rate (higher is better) | 81.6% ✓ | 69.4% |
| Denial Rate (lower is better) | 4.3% ✓ | 5.7% |
| Avg Loan Amount | $256,222 | $352,203 |
| Avg Interest Rate (lower is better) | 7.130% ✓ | 7.257% |
| Avg Applicant Income | $38,000 | $37,000 |
| Applications Denied | 70 | 590 |
| Applications Withdrawn | 223 | 2,125 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Great Plains National | FIRST UNITED BANK |
|---|---|---|
| Conventional | 986 (60.6%) | 8,084 (78.2%) |
| FHA | 419 (25.7%) | 1,470 (14.2%) |
| VA | 162 (10.0%) | 732 (7.1%) |
| USDA | 61 (3.7%) | 56 (0.5%) |
Loan Purpose Breakdown
| Purpose | Great Plains National | FIRST UNITED BANK |
|---|---|---|
| Home Purchase | 1,355 | 7,329 |
| Refinancing | 124 | 1,051 |
| Cash-out Refinancing | 84 | 436 |
| Home Improvement | 36 | 433 |
| Other | 29 | 1,093 |
Top States by Loan Volume
Summary
- 1,628 total applications · 1,328 originated
- Approval rate: 81.6%
- Denial rate: 4.3%
- Avg loan: $256,222
- Avg rate: 7.130%
- HQ: Elk City, OK
- 10,342 total applications · 7,177 originated
- Approval rate: 69.4%
- Denial rate: 5.7%
- Avg loan: $352,203
- Avg rate: 7.257%
- HQ: DURANT, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.