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 | WHITAKER BANK INC | FIRST SOUTHERN NATIONAL |
|---|---|---|
| Total Applications | 824 ▲ | 538 |
| Loans Originated | 656 | 475 |
| Approval Rate (higher is better) | 79.6% | 88.3% ✓ |
| Denial Rate (lower is better) | 8.1% | 3.9% ✓ |
| Avg Loan Amount | $133,180 | $168,625 |
| Avg Interest Rate (lower is better) | 6.894% ✓ | 8.116% |
| Avg Applicant Income | $31,000 | $32,000 |
| Applications Denied | 67 | 21 |
| Applications Withdrawn | 92 | 42 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | WHITAKER BANK INC | FIRST SOUTHERN NATIONAL |
|---|---|---|
| Conventional | 816 (99.0%) | 538 (100.0%) |
| FHA | 4 (0.5%) | — |
| VA | — | — |
| USDA | 4 (0.5%) | — |
Loan Purpose Breakdown
| Purpose | WHITAKER BANK INC | FIRST SOUTHERN NATIONAL |
|---|---|---|
| Refinancing | 267 | 163 |
| Other | 247 | 97 |
| Home Purchase | 221 | 197 |
| Home Improvement | 89 | 81 |
Summary
- 824 total applications · 656 originated
- Approval rate: 79.6%
- Denial rate: 8.1%
- Avg loan: $133,180
- Avg rate: 6.894%
- HQ: LEXINGTON, KY
- 538 total applications · 475 originated
- Approval rate: 88.3%
- Denial rate: 3.9%
- Avg loan: $168,625
- Avg rate: 8.116%
- HQ: STANFORD, KY
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.