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 Fisher National | LongView Bank |
|---|---|---|
| Total Applications | 345 | 385 ▲ |
| Loans Originated | 307 | 352 |
| Approval Rate (higher is better) | 89.0% | 91.4% ✓ |
| Denial Rate (lower is better) | 5.2% | 3.1% ✓ |
| Avg Loan Amount | $149,087 | $185,494 |
| Avg Interest Rate (lower is better) | 6.625% | N/A |
| Avg Applicant Income | $40,000 | N/A |
| Applications Denied | 18 | 12 |
| Applications Withdrawn | 2 | 15 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | The Fisher National | LongView Bank |
|---|---|---|
| Conventional | 341 (98.8%) | 384 (99.7%) |
| FHA | 1 (0.3%) | — |
| VA | — | 1 (0.3%) |
| USDA | 3 (0.9%) | — |
Loan Purpose Breakdown
| Purpose | The Fisher National | LongView Bank |
|---|---|---|
| Home Purchase | 205 | 185 |
| Refinancing | 78 | 151 |
| Cash-out Refinancing | 46 | 2 |
| Other | 14 | 37 |
| Home Improvement | 2 | 10 |
Summary
- 345 total applications · 307 originated
- Approval rate: 89.0%
- Denial rate: 5.2%
- Avg loan: $149,087
- Avg rate: 6.625%
- HQ: Fisher, IL
- 385 total applications · 352 originated
- Approval rate: 91.4%
- Denial rate: 3.1%
- Avg loan: $185,494
- HQ: Newman, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.