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 | S&T Bank | InFirst Bank |
|---|---|---|
| Total Applications | 3,994 ▲ | 607 |
| Loans Originated | 2,501 | 466 |
| Approval Rate (higher is better) | 62.6% | 76.8% ✓ |
| Denial Rate (lower is better) | 23.6% | 13.0% ✓ |
| Avg Loan Amount | $259,354 | $145,939 |
| Avg Interest Rate (lower is better) | 6.644% ✓ | 7.304% |
| Avg Applicant Income | $35,000 | $32,000 |
| Applications Denied | 942 | 79 |
| Applications Withdrawn | 230 | 47 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | S&T Bank | InFirst Bank |
|---|---|---|
| Conventional | 3,994 (100.0%) | 607 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | S&T Bank | InFirst Bank |
|---|---|---|
| Home Purchase | 1,217 | 340 |
| Refinancing | 1,076 | 103 |
| Home Improvement | 999 | 110 |
| Other | 562 | 54 |
| Cash-out Refinancing | 140 | — |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| Pennsylvania | 2,313 | #20 |
No state data available.
Summary
- 3,994 total applications · 2,501 originated
- Approval rate: 62.6%
- Denial rate: 23.6%
- Avg loan: $259,354
- Avg rate: 6.644%
- HQ: Indiana, PA
- 607 total applications · 466 originated
- Approval rate: 76.8%
- Denial rate: 13.0%
- Avg loan: $145,939
- Avg rate: 7.304%
- HQ: INDIANA, PA
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.