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 | GUILD MORTGAGE COMPANY | First Ciitizens Bank |
|---|---|---|
| Total Applications | 109,550 ▲ | 23,256 |
| Loans Originated | 75,356 | 15,162 |
| Approval Rate (higher is better) | 68.8% ✓ | 65.2% |
| Denial Rate (lower is better) | 3.7% ✓ | 21.0% |
| Avg Loan Amount | $305,231 | $380,938 |
| Avg Interest Rate (lower is better) | 6.294% | 6.270% ✓ |
| Avg Applicant Income | $40,000 | $35,000 |
| Applications Denied | 4,014 | 4,874 |
| Applications Withdrawn | 18,198 | 1,278 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | GUILD MORTGAGE COMPANY | First Ciitizens Bank |
|---|---|---|
| Conventional | 73,190 (66.8%) | 22,512 (96.8%) |
| FHA | 26,401 (24.1%) | 606 (2.6%) |
| VA | 8,434 (7.7%) | 111 (0.5%) |
| USDA | 1,525 (1.4%) | 27 (0.1%) |
Loan Purpose Breakdown
| Purpose | GUILD MORTGAGE COMPANY | First Ciitizens Bank |
|---|---|---|
| Home Purchase | 87,995 | 6,769 |
| Cash-out Refinancing | 13,962 | 481 |
| Refinancing | 7,524 | 4,989 |
| Other | 51 | 5,285 |
| Home Improvement | 18 | 5,732 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| North Carolina | 7,746 | #5 |
| South Carolina | 3,727 | #3 |
Summary
- 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
- 23,256 total applications · 15,162 originated
- Approval rate: 65.2%
- Denial rate: 21.0%
- Avg loan: $380,938
- Avg rate: 6.270%
- HQ: Raleigh, NC
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.