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 FNB Community | Midland States Bank |
|---|---|---|
| Total Applications | 113 | 1,693 ▲ |
| Loans Originated | 98 | 1,036 |
| Approval Rate (higher is better) | 86.7% ✓ | 61.2% |
| Denial Rate (lower is better) | 6.2% ✓ | 23.3% |
| Avg Loan Amount | $133,142 | $177,546 |
| Avg Interest Rate (lower is better) | N/A | 6.265% |
| Avg Applicant Income | N/A | $34,000 |
| Applications Denied | 7 | 394 |
| Applications Withdrawn | 8 | 161 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | The FNB Community | Midland States Bank |
|---|---|---|
| Conventional | 102 (90.3%) | 1,542 (91.1%) |
| FHA | — | 117 (6.9%) |
| VA | — | 15 (0.9%) |
| USDA | 11 (9.7%) | 19 (1.1%) |
Loan Purpose Breakdown
| Purpose | The FNB Community | Midland States Bank |
|---|---|---|
| Home Purchase | 61 | 755 |
| Refinancing | 40 | 248 |
| Other | 11 | 579 |
| Home Improvement | 1 | 38 |
| Cash-out Refinancing | — | 73 |
Summary
- 113 total applications · 98 originated
- Approval rate: 86.7%
- Denial rate: 6.2%
- Avg loan: $133,142
- HQ: Ramsey, IL
- 1,693 total applications · 1,036 originated
- Approval rate: 61.2%
- Denial rate: 23.3%
- Avg loan: $177,546
- Avg rate: 6.265%
- HQ: Effingham, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.