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 | HAWTHORN BANK | Community Mortgage, LLC |
|---|---|---|
| Total Applications | 661 | 1,009 ▲ |
| Loans Originated | 427 | 894 |
| Approval Rate (higher is better) | 64.6% | 88.6% ✓ |
| Denial Rate (lower is better) | 15.3% | 0.5% ✓ |
| Avg Loan Amount | $191,793 | $264,019 |
| Avg Interest Rate (lower is better) | 7.349% | 6.426% ✓ |
| Avg Applicant Income | $34,000 | $38,000 |
| Applications Denied | 101 | 5 |
| Applications Withdrawn | 115 | 110 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | HAWTHORN BANK | Community Mortgage, LLC |
|---|---|---|
| Conventional | 572 (86.5%) | 555 (55.0%) |
| FHA | 63 (9.5%) | 319 (31.6%) |
| VA | 15 (2.3%) | 105 (10.4%) |
| USDA | 11 (1.7%) | 30 (3.0%) |
Loan Purpose Breakdown
| Purpose | HAWTHORN BANK | Community Mortgage, LLC |
|---|---|---|
| Home Purchase | 276 | 856 |
| Other | 261 | — |
| Refinancing | 51 | 66 |
| Cash-out Refinancing | 51 | 87 |
| Home Improvement | 8 | — |
Summary
- 661 total applications · 427 originated
- Approval rate: 64.6%
- Denial rate: 15.3%
- Avg loan: $191,793
- Avg rate: 7.349%
- HQ: JEFFERSON CITY, MO
- 1,009 total applications · 894 originated
- Approval rate: 88.6%
- Denial rate: 0.5%
- Avg loan: $264,019
- Avg rate: 6.426%
- HQ: Independence, MO
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.