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 | ORIGIN BANK | Century Next Bank |
|---|---|---|
| Total Applications | 1,795 ▲ | 161 |
| Loans Originated | 1,281 | 144 |
| Approval Rate (higher is better) | 71.4% | 89.4% ✓ |
| Denial Rate (lower is better) | 5.5% | 4.3% ✓ |
| Avg Loan Amount | $288,822 | $211,335 |
| Avg Interest Rate (lower is better) | 7.341% ✓ | 7.563% |
| Avg Applicant Income | $37,000 | $33,000 |
| Applications Denied | 98 | 7 |
| Applications Withdrawn | 283 | 6 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | ORIGIN BANK | Century Next Bank |
|---|---|---|
| Conventional | 1,379 (76.8%) | 148 (91.9%) |
| FHA | 280 (15.6%) | 8 (5.0%) |
| VA | 100 (5.6%) | 2 (1.2%) |
| USDA | 36 (2.0%) | 3 (1.9%) |
Loan Purpose Breakdown
| Purpose | ORIGIN BANK | Century Next Bank |
|---|---|---|
| Home Purchase | 1,215 | 87 |
| Refinancing | 243 | 60 |
| Cash-out Refinancing | 131 | 5 |
| Home Improvement | 105 | 3 |
| Other | 101 | 6 |
Summary
- 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
- 161 total applications · 144 originated
- Approval rate: 89.4%
- Denial rate: 4.3%
- Avg loan: $211,335
- Avg rate: 7.563%
- HQ: Ruston, LA
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.