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 | Nationstar Mortgage | Amarillo National Bank |
|---|---|---|
| Total Applications | 110,111 ▲ | 3,875 |
| Loans Originated | 41,693 | 1,776 |
| Approval Rate (higher is better) | 37.9% | 45.8% ✓ |
| Denial Rate (lower is better) | 9.2% | 8.7% ✓ |
| Avg Loan Amount | $252,963 | $196,086 |
| Avg Interest Rate (lower is better) | 7.682% | 7.579% ✓ |
| Avg Applicant Income | $38,000 | $37,000 |
| Applications Denied | 10,080 | 337 |
| Applications Withdrawn | 10,914 | 108 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Nationstar Mortgage | Amarillo National Bank |
|---|---|---|
| Conventional | 78,701 (71.5%) | 3,196 (82.5%) |
| FHA | 23,513 (21.4%) | 584 (15.1%) |
| VA | 7,570 (6.9%) | 88 (2.3%) |
| USDA | 327 (0.3%) | 7 (0.2%) |
Loan Purpose Breakdown
| Purpose | Nationstar Mortgage | Amarillo National Bank |
|---|---|---|
| Home Purchase | 46,593 | 2,331 |
| Cash-out Refinancing | 27,608 | 142 |
| Other | 20,909 | 1,260 |
| Refinancing | 9,190 | 117 |
| Home Improvement | 5,811 | 25 |
Summary
- 110,111 total applications · 41,693 originated
- Approval rate: 37.9%
- Denial rate: 9.2%
- Avg loan: $252,963
- Avg rate: 7.682%
- HQ: Coppell, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.