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 | The Bank | FIDELITY BANK |
|---|---|---|
| Total Applications | 184 | 2,729 ▲ |
| Loans Originated | 166 | 1,798 |
| Approval Rate (higher is better) | 90.2% ✓ | 65.9% |
| Denial Rate (lower is better) | 1.6% ✓ | 11.5% |
| Avg Loan Amount | $145,163 | $256,829 |
| Avg Interest Rate (lower is better) | 9.210% | 7.038% ✓ |
| Avg Applicant Income | $25,000 | $38,000 |
| Applications Denied | 3 | 313 |
| Applications Withdrawn | 0 | 508 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | The Bank | FIDELITY BANK |
|---|---|---|
| Conventional | 184 (100.0%) | 1,797 (65.8%) |
| FHA | — | 729 (26.7%) |
| VA | — | 125 (4.6%) |
| USDA | — | 78 (2.9%) |
Loan Purpose Breakdown
| Purpose | The Bank | FIDELITY BANK |
|---|---|---|
| Refinancing | 101 | 161 |
| Home Purchase | 68 | 2,083 |
| Other | 12 | 157 |
| Home Improvement | 3 | 195 |
| Cash-out Refinancing | — | 133 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| Louisiana | 1,515 | #6 |
Summary
- 184 total applications · 166 originated
- Approval rate: 90.2%
- Denial rate: 1.6%
- Avg loan: $145,163
- Avg rate: 9.210%
- HQ: JENNINGS, LA
- 2,729 total applications · 1,798 originated
- Approval rate: 65.9%
- Denial rate: 11.5%
- Avg loan: $256,829
- Avg rate: 7.038%
- HQ: Gretna, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.