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 | LongView Bank | First State Bank |
|---|---|---|
| Total Applications | 385 ▲ | 210 |
| Loans Originated | 352 | 175 |
| Approval Rate (higher is better) | 91.4% ✓ | 83.3% |
| Denial Rate (lower is better) | 3.1% ✓ | 5.2% |
| Avg Loan Amount | $185,494 | $193,048 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 12 | 11 |
| Applications Withdrawn | 15 | 9 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | LongView Bank | First State Bank |
|---|---|---|
| Conventional | 384 (99.7%) | 209 (99.5%) |
| FHA | — | — |
| VA | 1 (0.3%) | 1 (0.5%) |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | LongView Bank | First State Bank |
|---|---|---|
| Home Purchase | 185 | 129 |
| Refinancing | 151 | 32 |
| Other | 37 | 7 |
| Home Improvement | 10 | 2 |
| Cash-out Refinancing | 2 | 40 |
Summary
- 385 total applications · 352 originated
- Approval rate: 91.4%
- Denial rate: 3.1%
- Avg loan: $185,494
- HQ: Newman, IL
- 210 total applications · 175 originated
- Approval rate: 83.3%
- Denial rate: 5.2%
- Avg loan: $193,048
- HQ: Monticello, IL
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.