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 | HOMEBANK | Thompson Kane & |
|---|---|---|
| Total Applications | 242 | 1,221 ▲ |
| Loans Originated | 212 | 1,075 |
| Approval Rate (higher is better) | 87.6% | 88.0% ✓ |
| Denial Rate (lower is better) | 2.9% | 2.2% ✓ |
| Avg Loan Amount | $156,364 | $316,065 |
| Avg Interest Rate (lower is better) | 7.601% | 6.793% ✓ |
| Avg Applicant Income | $33,000 | $37,000 |
| Applications Denied | 7 | 27 |
| Applications Withdrawn | 23 | 117 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | HOMEBANK | Thompson Kane & |
|---|---|---|
| Conventional | 242 (100.0%) | 967 (79.2%) |
| FHA | — | 167 (13.7%) |
| VA | — | 33 (2.7%) |
| USDA | — | 54 (4.4%) |
Loan Purpose Breakdown
| Purpose | HOMEBANK | Thompson Kane & |
|---|---|---|
| Home Purchase | 154 | 1,048 |
| Refinancing | 42 | 157 |
| Cash-out Refinancing | 37 | 11 |
| Home Improvement | 6 | 5 |
| Other | 3 | — |
Summary
- 242 total applications · 212 originated
- Approval rate: 87.6%
- Denial rate: 2.9%
- Avg loan: $156,364
- Avg rate: 7.601%
- HQ: PALMYRA, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.