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 Cecilian Bank | WILSON & MUIR |
|---|---|---|
| Total Applications | 878 ▲ | 368 |
| Loans Originated | 609 | 331 |
| Approval Rate (higher is better) | 69.4% | 89.9% ✓ |
| Denial Rate (lower is better) | 6.8% | 3.8% ✓ |
| Avg Loan Amount | $185,057 | $199,946 |
| Avg Interest Rate (lower is better) | 8.196% | N/A |
| Avg Applicant Income | $33,000 | N/A |
| Applications Denied | 60 | 14 |
| Applications Withdrawn | 100 | 18 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | The Cecilian Bank | WILSON & MUIR |
|---|---|---|
| Conventional | 821 (93.5%) | 336 (91.3%) |
| FHA | 35 (4.0%) | 18 (4.9%) |
| VA | 3 (0.3%) | 4 (1.1%) |
| USDA | 19 (2.2%) | 10 (2.7%) |
Loan Purpose Breakdown
| Purpose | The Cecilian Bank | WILSON & MUIR |
|---|---|---|
| Home Purchase | 429 | 243 |
| Other | 152 | 18 |
| Cash-out Refinancing | 126 | 12 |
| Home Improvement | 118 | 5 |
| Refinancing | 53 | 90 |
Summary
- 878 total applications · 609 originated
- Approval rate: 69.4%
- Denial rate: 6.8%
- Avg loan: $185,057
- Avg rate: 8.196%
- HQ: Elizabethtown, KY
- 368 total applications · 331 originated
- Approval rate: 89.9%
- Denial rate: 3.8%
- Avg loan: $199,946
- HQ: BARDSTOWN, KY
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.