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 Farmers & | FIRST NATIONAL BANK |
|---|---|---|
| Total Applications | 459 ▲ | 87 |
| Loans Originated | 326 | 53 |
| Approval Rate (higher is better) | 71.0% ✓ | 60.9% |
| Denial Rate (lower is better) | 16.1% ✓ | 25.3% |
| Avg Loan Amount | $227,048 | $104,885 |
| Avg Interest Rate (lower is better) | 8.239% | N/A |
| Avg Applicant Income | $33,000 | N/A |
| Applications Denied | 74 | 22 |
| Applications Withdrawn | 22 | 0 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | The Farmers & | FIRST NATIONAL BANK |
|---|---|---|
| Conventional | 459 (100.0%) | 87 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | The Farmers & | FIRST NATIONAL BANK |
|---|---|---|
| Home Purchase | 267 | 45 |
| Refinancing | 79 | 21 |
| Home Improvement | 59 | 10 |
| Other | 54 | 11 |
Summary
- 459 total applications · 326 originated
- Approval rate: 71.0%
- Denial rate: 16.1%
- Avg loan: $227,048
- Avg rate: 8.239%
- HQ: Stuggart, AR
- 87 total applications · 53 originated
- Approval rate: 60.9%
- Denial rate: 25.3%
- Avg loan: $104,885
- HQ: WALNUT RIDGE, AR
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.