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 | Marion State Bank | ORIGIN BANK |
|---|---|---|
| Total Applications | 119 | 1,795 ▲ |
| Loans Originated | 105 | 1,281 |
| Approval Rate (higher is better) | 88.2% ✓ | 71.4% |
| Denial Rate (lower is better) | 2.5% ✓ | 5.5% |
| Avg Loan Amount | $163,739 | $288,822 |
| Avg Interest Rate (lower is better) | N/A | 7.341% |
| Avg Applicant Income | N/A | $37,000 |
| Applications Denied | 3 | 98 |
| Applications Withdrawn | 3 | 283 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Marion State Bank | ORIGIN BANK |
|---|---|---|
| Conventional | 119 (100.0%) | 1,379 (76.8%) |
| FHA | — | 280 (15.6%) |
| VA | — | 100 (5.6%) |
| USDA | — | 36 (2.0%) |
Loan Purpose Breakdown
| Purpose | Marion State Bank | ORIGIN BANK |
|---|---|---|
| Refinancing | 57 | 243 |
| Home Purchase | 45 | 1,215 |
| Home Improvement | 11 | 105 |
| Other | 5 | 101 |
| Cash-out Refinancing | 1 | 131 |
Summary
- 119 total applications · 105 originated
- Approval rate: 88.2%
- Denial rate: 2.5%
- Avg loan: $163,739
- HQ: Marion, LA
- 1,795 total applications · 1,281 originated
- Approval rate: 71.4%
- Denial rate: 5.5%
- Avg loan: $288,822
- Avg rate: 7.341%
- HQ: HOUSTON, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.