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 | HNB National Bank | Thompson Kane & |
|---|---|---|
| Total Applications | 566 | 1,221 ▲ |
| Loans Originated | 408 | 1,075 |
| Approval Rate (higher is better) | 72.1% | 88.0% ✓ |
| Denial Rate (lower is better) | 6.5% | 2.2% ✓ |
| Avg Loan Amount | $192,420 | $316,065 |
| Avg Interest Rate (lower is better) | 7.198% | 6.793% ✓ |
| Avg Applicant Income | $32,000 | $37,000 |
| Applications Denied | 37 | 27 |
| Applications Withdrawn | 3 | 117 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | HNB National Bank | Thompson Kane & |
|---|---|---|
| Conventional | 526 (92.9%) | 967 (79.2%) |
| FHA | — | 167 (13.7%) |
| VA | — | 33 (2.7%) |
| USDA | 40 (7.1%) | 54 (4.4%) |
Loan Purpose Breakdown
| Purpose | HNB National Bank | Thompson Kane & |
|---|---|---|
| Home Purchase | 364 | 1,048 |
| Refinancing | 116 | 157 |
| Other | 31 | — |
| Home Improvement | 31 | 5 |
| Cash-out Refinancing | 24 | 11 |
Summary
- 566 total applications · 408 originated
- Approval rate: 72.1%
- Denial rate: 6.5%
- Avg loan: $192,420
- Avg rate: 7.198%
- HQ: Hannibal, MO
- 1,221 total applications · 1,075 originated
- Approval rate: 88.0%
- Denial rate: 2.2%
- Avg loan: $316,065
- Avg rate: 6.793%
- HQ: Madison, WI
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.