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 | Meade County Bank | The Cecilian Bank |
|---|---|---|
| Total Applications | 386 | 878 ▲ |
| Loans Originated | 268 | 609 |
| Approval Rate (higher is better) | 69.4% ✓ | 69.4% |
| Denial Rate (lower is better) | 12.9% | 6.8% ✓ |
| Avg Loan Amount | $172,876 | $185,057 |
| Avg Interest Rate (lower is better) | N/A | 8.196% |
| Avg Applicant Income | N/A | $33,000 |
| Applications Denied | 50 | 60 |
| Applications Withdrawn | 17 | 100 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Meade County Bank | The Cecilian Bank |
|---|---|---|
| Conventional | 384 (99.5%) | 821 (93.5%) |
| FHA | — | 35 (4.0%) |
| VA | 2 (0.5%) | 3 (0.3%) |
| USDA | — | 19 (2.2%) |
Loan Purpose Breakdown
| Purpose | Meade County Bank | The Cecilian Bank |
|---|---|---|
| Home Purchase | 264 | 429 |
| Refinancing | 65 | 53 |
| Home Improvement | 31 | 118 |
| Other | 24 | 152 |
| Cash-out Refinancing | 2 | 126 |
Summary
- 386 total applications · 268 originated
- Approval rate: 69.4%
- Denial rate: 12.9%
- Avg loan: $172,876
- HQ: Brandenburg, KY
- 878 total applications · 609 originated
- Approval rate: 69.4%
- Denial rate: 6.8%
- Avg loan: $185,057
- Avg rate: 8.196%
- HQ: Elizabethtown, KY
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.