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 | Thomasville National Bank | Flagstar Bank NA |
|---|---|---|
| Total Applications | 243 | 67,778 ▲ |
| Loans Originated | 232 | 29,443 |
| Approval Rate (higher is better) | 95.5% ✓ | 43.4% |
| Denial Rate (lower is better) | 0.4% ✓ | 18.5% |
| Avg Loan Amount | $395,329 | $327,134 |
| Avg Interest Rate (lower is better) | N/A | 7.071% |
| Avg Applicant Income | N/A | $39,000 |
| Applications Denied | 1 | 12,533 |
| Applications Withdrawn | 10 | 7,523 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Thomasville National Bank | Flagstar Bank NA |
|---|---|---|
| Conventional | 243 (100.0%) | 48,663 (71.8%) |
| FHA | — | 13,200 (19.5%) |
| VA | — | 5,026 (7.4%) |
| USDA | — | 889 (1.3%) |
Loan Purpose Breakdown
| Purpose | Thomasville National Bank | Flagstar Bank NA |
|---|---|---|
| Home Purchase | 181 | 45,054 |
| Refinancing | 46 | 4,246 |
| Other | 9 | 2,151 |
| Home Improvement | 7 | 944 |
| Cash-out Refinancing | — | 15,383 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| Michigan | 3,594 | #6 |
| Mississippi | 518 | #20 |
Summary
- 243 total applications · 232 originated
- Approval rate: 95.5%
- Denial rate: 0.4%
- Avg loan: $395,329
- HQ: Thomasville, GA
- 67,778 total applications · 29,443 originated
- Approval rate: 43.4%
- Denial rate: 18.5%
- Avg loan: $327,134
- Avg rate: 7.071%
- HQ: Troy, MI
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.