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 | Starion Bank | FIRST COMMUNITY CREDIT |
|---|---|---|
| Total Applications | 293 | 1,333 ▲ |
| Loans Originated | 222 | 512 |
| Approval Rate (higher is better) | 75.8% ✓ | 38.4% |
| Denial Rate (lower is better) | 2.0% ✓ | 18.4% |
| Avg Loan Amount | $444,181 | $189,674 |
| Avg Interest Rate (lower is better) | 7.012% | 6.707% ✓ |
| Avg Applicant Income | $33,000 | $36,000 |
| Applications Denied | 6 | 245 |
| Applications Withdrawn | 56 | 193 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Starion Bank | FIRST COMMUNITY CREDIT |
|---|---|---|
| Conventional | 277 (94.5%) | 1,054 (79.1%) |
| FHA | 15 (5.1%) | 205 (15.4%) |
| VA | 1 (0.3%) | 45 (3.4%) |
| USDA | — | 29 (2.2%) |
Loan Purpose Breakdown
| Purpose | Starion Bank | FIRST COMMUNITY CREDIT |
|---|---|---|
| Home Purchase | 209 | 1,030 |
| Refinancing | 34 | 32 |
| Other | 20 | — |
| Home Improvement | 19 | 2 |
| Cash-out Refinancing | 11 | 269 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| North Dakota | 158 | #20 |
| State | Originated | Rank |
|---|---|---|
| North Dakota | 421 | #9 |
Summary
- 293 total applications · 222 originated
- Approval rate: 75.8%
- Denial rate: 2.0%
- Avg loan: $444,181
- Avg rate: 7.012%
- HQ: Mandan, ND
- 1,333 total applications · 512 originated
- Approval rate: 38.4%
- Denial rate: 18.4%
- Avg loan: $189,674
- Avg rate: 6.707%
- HQ: JAMESTOWN, ND
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.