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 | Hearthside Bank Corporation | Commercial Bank |
|---|---|---|
| Total Applications | 221 | 288 ▲ |
| Loans Originated | 155 | 238 |
| Approval Rate (higher is better) | 70.1% | 82.6% ✓ |
| Denial Rate (lower is better) | 14.5% | 11.8% ✓ |
| Avg Loan Amount | $324,050 | $250,417 |
| Avg Interest Rate (lower is better) | N/A | 7.029% |
| Avg Applicant Income | N/A | $33,000 |
| Applications Denied | 32 | 34 |
| Applications Withdrawn | 25 | 9 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Hearthside Bank Corporation | Commercial Bank |
|---|---|---|
| Conventional | 219 (99.1%) | 288 (100.0%) |
| FHA | — | — |
| VA | 1 (0.5%) | — |
| USDA | 1 (0.5%) | — |
Loan Purpose Breakdown
| Purpose | Hearthside Bank Corporation | Commercial Bank |
|---|---|---|
| Home Purchase | 166 | 180 |
| Refinancing | 29 | 80 |
| Home Improvement | 16 | 7 |
| Other | 10 | 21 |
Summary
- 221 total applications · 155 originated
- Approval rate: 70.1%
- Denial rate: 14.5%
- Avg loan: $324,050
- HQ: Middlesboro, KY
- 288 total applications · 238 originated
- Approval rate: 82.6%
- Denial rate: 11.8%
- Avg loan: $250,417
- Avg rate: 7.029%
- HQ: Harrogate, TN
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.