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 | ADVIA CREDIT UNION | Landmark Credit Union |
|---|---|---|
| Total Applications | 3,610 | 8,400 ▲ |
| Loans Originated | 2,033 | 5,861 |
| Approval Rate (higher is better) | 56.3% | 69.8% ✓ |
| Denial Rate (lower is better) | 30.2% | 18.9% ✓ |
| Avg Loan Amount | $93,906 | $154,799 |
| Avg Interest Rate (lower is better) | 8.421% | 7.468% ✓ |
| Avg Applicant Income | $35,000 | $34,000 |
| Applications Denied | 1,091 | 1,592 |
| Applications Withdrawn | 424 | 680 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | ADVIA CREDIT UNION | Landmark Credit Union |
|---|---|---|
| Conventional | 3,610 (100.0%) | 8,400 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | ADVIA CREDIT UNION | Landmark Credit Union |
|---|---|---|
| Other | 1,238 | 1,258 |
| Refinancing | 1,195 | 608 |
| Home Improvement | 1,034 | 2,976 |
| Home Purchase | 142 | 1,797 |
| Cash-out Refinancing | 1 | 1,761 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| Wisconsin | 5,858 | #3 |
Summary
- 3,610 total applications · 2,033 originated
- Approval rate: 56.3%
- Denial rate: 30.2%
- Avg loan: $93,906
- Avg rate: 8.421%
- HQ: KALAMAZOO, MI
- 8,400 total applications · 5,861 originated
- Approval rate: 69.8%
- Denial rate: 18.9%
- Avg loan: $154,799
- Avg rate: 7.468%
- HQ: Brookfield, WI
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.