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 CITY NATIONAL | Alliance Bank |
|---|---|---|
| Total Applications | 438 ▲ | 224 |
| Loans Originated | 327 | 124 |
| Approval Rate (higher is better) | 74.7% ✓ | 55.4% |
| Denial Rate (lower is better) | 10.5% ✓ | 18.3% |
| Avg Loan Amount | $236,187 | $316,964 |
| Avg Interest Rate (lower is better) | 7.876% | N/A |
| Avg Applicant Income | $36,000 | N/A |
| Applications Denied | 46 | 41 |
| Applications Withdrawn | 64 | 18 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | THE CITY NATIONAL | Alliance Bank |
|---|---|---|
| Conventional | 438 (100.0%) | 219 (97.8%) |
| FHA | — | — |
| VA | — | 5 (2.2%) |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | THE CITY NATIONAL | Alliance Bank |
|---|---|---|
| Home Purchase | 270 | 147 |
| Home Improvement | 64 | 16 |
| Cash-out Refinancing | 61 | 32 |
| Other | 33 | 13 |
| Refinancing | 10 | 16 |
Summary
- 438 total applications · 327 originated
- Approval rate: 74.7%
- Denial rate: 10.5%
- Avg loan: $236,187
- Avg rate: 7.876%
- HQ: SULPHUR SPRINGS, TX
- 224 total applications · 124 originated
- Approval rate: 55.4%
- Denial rate: 18.3%
- Avg loan: $316,964
- HQ: Sulphur Springs, TX
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.