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 | Morris Bank | AMERISAVE MORTGAGE COMPANY |
|---|---|---|
| Total Applications | 240 | 107,775 ▲ |
| Loans Originated | 154 | 16,102 |
| Approval Rate (higher is better) | 64.2% ✓ | 14.9% |
| Denial Rate (lower is better) | 16.7% ✓ | 69.0% |
| Avg Loan Amount | $178,375 | $175,493 |
| Avg Interest Rate (lower is better) | N/A | 8.494% |
| Avg Applicant Income | N/A | $40,000 |
| Applications Denied | 40 | 74,388 |
| Applications Withdrawn | 40 | 6,421 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Morris Bank | AMERISAVE MORTGAGE COMPANY |
|---|---|---|
| Conventional | 221 (92.1%) | 70,858 (65.7%) |
| FHA | 15 (6.3%) | 30,256 (28.1%) |
| VA | 1 (0.4%) | 6,645 (6.2%) |
| USDA | 3 (1.3%) | 16 (0.0%) |
Loan Purpose Breakdown
| Purpose | Morris Bank | AMERISAVE MORTGAGE COMPANY |
|---|---|---|
| Home Purchase | 150 | 8,289 |
| Refinancing | 37 | 5,084 |
| Home Improvement | 21 | — |
| Other | 19 | — |
| Cash-out Refinancing | 13 | 94,402 |
Summary
- 240 total applications · 154 originated
- Approval rate: 64.2%
- Denial rate: 16.7%
- Avg loan: $178,375
- HQ: Dublin, GA
- 107,775 total applications · 16,102 originated
- Approval rate: 14.9%
- Denial rate: 69.0%
- Avg loan: $175,493
- Avg rate: 8.494%
- HQ: SANDY SPRINGS, GA
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.