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 | CASTLE & COOKE | AMERICA FIRST FEDERAL |
|---|---|---|
| Total Applications | 1,880 | 22,439 ▲ |
| Loans Originated | 1,188 | 16,009 |
| Approval Rate (higher is better) | 63.2% | 71.3% ✓ |
| Denial Rate (lower is better) | 2.8% ✓ | 19.8% |
| Avg Loan Amount | $323,319 | $134,435 |
| Avg Interest Rate (lower is better) | 6.633% ✓ | 7.857% |
| Avg Applicant Income | $40,000 | $38,000 |
| Applications Denied | 52 | 4,432 |
| Applications Withdrawn | 607 | 873 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | CASTLE & COOKE | AMERICA FIRST FEDERAL |
|---|---|---|
| Conventional | 1,165 (62.0%) | 22,252 (99.2%) |
| FHA | 535 (28.5%) | 144 (0.6%) |
| VA | 135 (7.2%) | 39 (0.2%) |
| USDA | 45 (2.4%) | 4 (0.0%) |
Loan Purpose Breakdown
| Purpose | CASTLE & COOKE | AMERICA FIRST FEDERAL |
|---|---|---|
| Home Purchase | 1,390 | 2,068 |
| Cash-out Refinancing | 316 | 331 |
| Refinancing | 174 | 5,681 |
| Home Improvement | — | 7,845 |
| Other | — | 6,514 |
Top States by Loan Volume
Summary
- 1,880 total applications · 1,188 originated
- Approval rate: 63.2%
- Denial rate: 2.8%
- Avg loan: $323,319
- Avg rate: 6.633%
- HQ: DRAPER, UT
- 22,439 total applications · 16,009 originated
- Approval rate: 71.3%
- Denial rate: 19.8%
- Avg loan: $134,435
- Avg rate: 7.857%
- HQ: ROY, UT
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.