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 | United Wholesale Mortgage | FIRST FINANCIAL BANK |
|---|---|---|
| Total Applications | 493,978 ▲ | 5,305 |
| Loans Originated | 366,078 | 3,975 |
| Approval Rate (higher is better) | 74.1% | 74.9% ✓ |
| Denial Rate (lower is better) | 11.7% | 10.9% ✓ |
| Avg Loan Amount | $380,061 | $270,329 |
| Avg Interest Rate (lower is better) | 6.550% ✓ | 7.359% |
| Avg Applicant Income | $40,000 | $36,000 |
| Applications Denied | 57,760 | 577 |
| Applications Withdrawn | 46,939 | 656 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | United Wholesale Mortgage | FIRST FINANCIAL BANK |
|---|---|---|
| Conventional | 311,346 (63.0%) | 4,847 (91.4%) |
| FHA | 110,164 (22.3%) | 282 (5.3%) |
| VA | 70,939 (14.4%) | 174 (3.3%) |
| USDA | 1,529 (0.3%) | 2 (0.0%) |
Loan Purpose Breakdown
| Purpose | United Wholesale Mortgage | FIRST FINANCIAL BANK |
|---|---|---|
| Home Purchase | 311,743 | 3,263 |
| Cash-out Refinancing | 95,968 | 317 |
| Refinancing | 86,267 | 200 |
| Home Improvement | — | 897 |
| Other | — | 628 |
Top States by Loan Volume
Summary
- 493,978 total applications · 366,078 originated
- Approval rate: 74.1%
- Denial rate: 11.7%
- Avg loan: $380,061
- Avg rate: 6.550%
- HQ: Pontiac, MI
- 5,305 total applications · 3,975 originated
- Approval rate: 74.9%
- Denial rate: 10.9%
- Avg loan: $270,329
- Avg rate: 7.359%
- HQ: FORT WORTH, TX
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.