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 COMMERCIAL & | The Park National |
|---|---|---|
| Total Applications | 240 | 5,339 ▲ |
| Loans Originated | 211 | 3,670 |
| Approval Rate (higher is better) | 87.9% ✓ | 68.7% |
| Denial Rate (lower is better) | 3.8% ✓ | 18.4% |
| Avg Loan Amount | $257,292 | $170,898 |
| Avg Interest Rate (lower is better) | N/A | 7.620% |
| Avg Applicant Income | N/A | $37,000 |
| Applications Denied | 9 | 982 |
| Applications Withdrawn | 16 | 614 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | THE COMMERCIAL & | The Park National |
|---|---|---|
| Conventional | 240 (100.0%) | 5,302 (99.3%) |
| FHA | — | 22 (0.4%) |
| VA | — | 12 (0.2%) |
| USDA | — | 3 (0.1%) |
Loan Purpose Breakdown
| Purpose | THE COMMERCIAL & | The Park National |
|---|---|---|
| Home Purchase | 171 | 2,211 |
| Cash-out Refinancing | 25 | 137 |
| Refinancing | 16 | 889 |
| Home Improvement | 15 | 1,431 |
| Other | 13 | 671 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| Ohio | 3,265 | #14 |
Summary
- 240 total applications · 211 originated
- Approval rate: 87.9%
- Denial rate: 3.8%
- Avg loan: $257,292
- HQ: MILLERSBURG, OH
- 5,339 total applications · 3,670 originated
- Approval rate: 68.7%
- Denial rate: 18.4%
- Avg loan: $170,898
- Avg rate: 7.620%
- HQ: Newark, OH
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.