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 POCA VALLEY | Peoples Bank |
|---|---|---|
| Total Applications | 391 | 3,106 ▲ |
| Loans Originated | 277 | 1,919 |
| Approval Rate (higher is better) | 70.8% ✓ | 61.8% |
| Denial Rate (lower is better) | 11.8% ✓ | 21.7% |
| Avg Loan Amount | $142,187 | $146,211 |
| Avg Interest Rate (lower is better) | N/A | 8.055% |
| Avg Applicant Income | N/A | $33,000 |
| Applications Denied | 46 | 675 |
| Applications Withdrawn | 59 | 262 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | THE POCA VALLEY | Peoples Bank |
|---|---|---|
| Conventional | 385 (98.5%) | 2,987 (96.2%) |
| FHA | — | 101 (3.3%) |
| VA | — | 8 (0.3%) |
| USDA | 6 (1.5%) | 10 (0.3%) |
Loan Purpose Breakdown
| Purpose | THE POCA VALLEY | Peoples Bank |
|---|---|---|
| Home Purchase | 296 | 976 |
| Cash-out Refinancing | 62 | 630 |
| Refinancing | 14 | 115 |
| Home Improvement | 11 | 967 |
| Other | 8 | 418 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| West Virginia | 269 | #20 |
| State | Originated | Rank |
|---|---|---|
| West Virginia | 414 | #14 |
Summary
- 391 total applications · 277 originated
- Approval rate: 70.8%
- Denial rate: 11.8%
- Avg loan: $142,187
- HQ: WALTON, WV
- 3,106 total applications · 1,919 originated
- Approval rate: 61.8%
- Denial rate: 21.7%
- Avg loan: $146,211
- Avg rate: 8.055%
- HQ: Marietta, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.