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 GRANT COUNTY | Integrity Home Mortgage |
|---|---|---|
| Total Applications | 135 | 3,531 ▲ |
| Loans Originated | 108 | 2,622 |
| Approval Rate (higher is better) | 80.0% ✓ | 74.3% |
| Denial Rate (lower is better) | 7.4% | 4.6% ✓ |
| Avg Loan Amount | $149,222 | $302,043 |
| Avg Interest Rate (lower is better) | N/A | 6.651% |
| Avg Applicant Income | N/A | $38,000 |
| Applications Denied | 10 | 164 |
| Applications Withdrawn | 8 | 434 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | THE GRANT COUNTY | Integrity Home Mortgage |
|---|---|---|
| Conventional | 135 (100.0%) | 1,969 (55.8%) |
| FHA | — | 959 (27.2%) |
| VA | — | 471 (13.3%) |
| USDA | — | 132 (3.7%) |
Loan Purpose Breakdown
| Purpose | THE GRANT COUNTY | Integrity Home Mortgage |
|---|---|---|
| Home Purchase | 88 | 3,177 |
| Cash-out Refinancing | 19 | 187 |
| Other | 14 | — |
| Refinancing | 10 | 167 |
| Home Improvement | 4 | — |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| West Virginia | 464 | #13 |
Summary
- 135 total applications · 108 originated
- Approval rate: 80.0%
- Denial rate: 7.4%
- Avg loan: $149,222
- HQ: PETERSBURG, WV
- 3,531 total applications · 2,622 originated
- Approval rate: 74.3%
- Denial rate: 4.6%
- Avg loan: $302,043
- Avg rate: 6.651%
- HQ: Winchester, VA
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.