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 | AMERICU CREDIT UNION | The Lyons National |
|---|---|---|
| Total Applications | 3,022 ▲ | 1,318 |
| Loans Originated | 1,921 | 1,062 |
| Approval Rate (higher is better) | 63.6% | 80.6% ✓ |
| Denial Rate (lower is better) | 25.9% | 6.4% ✓ |
| Avg Loan Amount | $140,642 | $203,126 |
| Avg Interest Rate (lower is better) | 6.365% ✓ | 7.290% |
| Avg Applicant Income | $36,000 | $35,000 |
| Applications Denied | 782 | 84 |
| Applications Withdrawn | 261 | 90 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | AMERICU CREDIT UNION | The Lyons National |
|---|---|---|
| Conventional | 2,753 (91.1%) | 1,318 (100.0%) |
| FHA | 221 (7.3%) | — |
| VA | 43 (1.4%) | — |
| USDA | 5 (0.2%) | — |
Loan Purpose Breakdown
| Purpose | AMERICU CREDIT UNION | The Lyons National |
|---|---|---|
| Home Purchase | 920 | 799 |
| Home Improvement | 826 | 276 |
| Other | 735 | 114 |
| Refinancing | 451 | 102 |
| Cash-out Refinancing | 88 | 26 |
Summary
- 3,022 total applications · 1,921 originated
- Approval rate: 63.6%
- Denial rate: 25.9%
- Avg loan: $140,642
- Avg rate: 6.365%
- HQ: ROME, NY
- 1,318 total applications · 1,062 originated
- Approval rate: 80.6%
- Denial rate: 6.4%
- Avg loan: $203,126
- Avg rate: 7.290%
- HQ: Lyons, NY
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.