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 | HOMETRUST MORTGAGE COMPANY | Amarillo National Bank |
|---|---|---|
| Total Applications | 999 | 3,875 ▲ |
| Loans Originated | 609 | 1,776 |
| Approval Rate (higher is better) | 61.0% ✓ | 45.8% |
| Denial Rate (lower is better) | 6.3% ✓ | 8.7% |
| Avg Loan Amount | $359,484 | $196,086 |
| Avg Interest Rate (lower is better) | 6.731% ✓ | 7.579% |
| Avg Applicant Income | $38,000 | $37,000 |
| Applications Denied | 63 | 337 |
| Applications Withdrawn | 269 | 108 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | HOMETRUST MORTGAGE COMPANY | Amarillo National Bank |
|---|---|---|
| Conventional | 697 (69.8%) | 3,196 (82.5%) |
| FHA | 242 (24.2%) | 584 (15.1%) |
| VA | 58 (5.8%) | 88 (2.3%) |
| USDA | 2 (0.2%) | 7 (0.2%) |
Loan Purpose Breakdown
| Purpose | HOMETRUST MORTGAGE COMPANY | Amarillo National Bank |
|---|---|---|
| Home Purchase | 914 | 2,331 |
| Refinancing | 46 | 117 |
| Cash-out Refinancing | 39 | 142 |
| Other | — | 1,260 |
| Home Improvement | — | 25 |
Summary
- 999 total applications · 609 originated
- Approval rate: 61.0%
- Denial rate: 6.3%
- Avg loan: $359,484
- Avg rate: 6.731%
- HQ: HOUSTON, TX
- 3,875 total applications · 1,776 originated
- Approval rate: 45.8%
- Denial rate: 8.7%
- Avg loan: $196,086
- Avg rate: 7.579%
- HQ: Amarillo, TX
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.