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 | Waggoner National Bank | AMERICAN NATIONAL BANK |
|---|---|---|
| Total Applications | 55 | 1,165 ▲ |
| Loans Originated | 47 | 949 |
| Approval Rate (higher is better) | 85.5% ✓ | 81.5% |
| Denial Rate (lower is better) | 9.1% | 2.1% ✓ |
| Avg Loan Amount | $117,000 | $308,691 |
| Avg Interest Rate (lower is better) | N/A | 6.888% |
| Avg Applicant Income | N/A | $38,000 |
| Applications Denied | 5 | 25 |
| Applications Withdrawn | 1 | 119 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Waggoner National Bank | AMERICAN NATIONAL BANK |
|---|---|---|
| Conventional | 55 (100.0%) | 889 (76.3%) |
| FHA | — | 184 (15.8%) |
| VA | — | 85 (7.3%) |
| USDA | — | 7 (0.6%) |
Loan Purpose Breakdown
| Purpose | Waggoner National Bank | AMERICAN NATIONAL BANK |
|---|---|---|
| Home Improvement | 19 | 67 |
| Home Purchase | 17 | 898 |
| Other | 14 | 76 |
| Refinancing | 5 | 49 |
| Cash-out Refinancing | — | 75 |
Summary
- 55 total applications · 47 originated
- Approval rate: 85.5%
- Denial rate: 9.1%
- Avg loan: $117,000
- HQ: Vernon, TX
- 1,165 total applications · 949 originated
- Approval rate: 81.5%
- Denial rate: 2.1%
- Avg loan: $308,691
- Avg rate: 6.888%
- HQ: Wichita Falls, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.