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 BRADFORD NATIONAL | The FNB Community |
|---|---|---|
| Total Applications | 193 ▲ | 113 |
| Loans Originated | 138 | 98 |
| Approval Rate (higher is better) | 71.5% | 86.7% ✓ |
| Denial Rate (lower is better) | 4.2% ✓ | 6.2% |
| Avg Loan Amount | $154,741 | $133,142 |
| Avg Interest Rate (lower is better) | N/A | N/A |
| Applications Denied | 8 | 7 |
| Applications Withdrawn | 3 | 8 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | THE BRADFORD NATIONAL | The FNB Community |
|---|---|---|
| Conventional | 184 (95.3%) | 102 (90.3%) |
| FHA | — | — |
| VA | — | — |
| USDA | 9 (4.7%) | 11 (9.7%) |
Loan Purpose Breakdown
| Purpose | THE BRADFORD NATIONAL | The FNB Community |
|---|---|---|
| Home Purchase | 133 | 61 |
| Refinancing | 49 | 40 |
| Home Improvement | 7 | 1 |
| Other | 4 | 11 |
Summary
- 193 total applications · 138 originated
- Approval rate: 71.5%
- Denial rate: 4.2%
- Avg loan: $154,741
- HQ: GREENVILLE, IL
- 113 total applications · 98 originated
- Approval rate: 86.7%
- Denial rate: 6.2%
- Avg loan: $133,142
- HQ: Ramsey, IL
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.