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 | VANDERBILT MORTGAGE AND | Pioneer Community Bank |
|---|---|---|
| Total Applications | 124,520 ▲ | 117 |
| Loans Originated | 20,306 | 94 |
| Approval Rate (higher is better) | 16.3% | 80.3% ✓ |
| Denial Rate (lower is better) | 42.7% | 9.4% ✓ |
| Avg Loan Amount | $136,987 | $133,462 |
| Avg Interest Rate (lower is better) | 8.482% | N/A |
| Avg Applicant Income | $37,000 | N/A |
| Applications Denied | 53,122 | 11 |
| Applications Withdrawn | 4,053 | 12 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | VANDERBILT MORTGAGE AND | Pioneer Community Bank |
|---|---|---|
| Conventional | 120,046 (96.4%) | 117 (100.0%) |
| FHA | 3,092 (2.5%) | — |
| VA | 1,290 (1.0%) | — |
| USDA | 92 (0.1%) | — |
Loan Purpose Breakdown
| Purpose | VANDERBILT MORTGAGE AND | Pioneer Community Bank |
|---|---|---|
| Home Purchase | 123,615 | 56 |
| Cash-out Refinancing | 373 | 28 |
| Refinancing | 68 | 6 |
| Other | — | 19 |
| Home Improvement | — | 8 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| South Carolina | 2,345 | #10 |
| Tennessee | 1,721 | #19 |
| Alabama | 1,559 | #14 |
| Kentucky | 1,137 | #16 |
| West Virginia | 480 | #12 |
No state data available.
Summary
- 124,520 total applications · 20,306 originated
- Approval rate: 16.3%
- Denial rate: 42.7%
- Avg loan: $136,987
- Avg rate: 8.482%
- HQ: MARYVILLE, TN
- 117 total applications · 94 originated
- Approval rate: 80.3%
- Denial rate: 9.4%
- Avg loan: $133,462
- HQ: Beckley, WV
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.