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 | Washington County Bank |
|---|---|---|
| Total Applications | 1,880 ▲ | 225 |
| Loans Originated | 1,188 | 119 |
| Approval Rate (higher is better) | 63.2% ✓ | 52.9% |
| Denial Rate (lower is better) | 2.8% ✓ | 12.0% |
| Avg Loan Amount | $323,319 | $176,644 |
| Avg Interest Rate (lower is better) | 6.633% | N/A |
| Avg Applicant Income | $40,000 | N/A |
| Applications Denied | 52 | 27 |
| Applications Withdrawn | 607 | 73 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | CASTLE & COOKE | Washington County Bank |
|---|---|---|
| Conventional | 1,165 (62.0%) | 216 (96.0%) |
| FHA | 535 (28.5%) | 1 (0.4%) |
| VA | 135 (7.2%) | 1 (0.4%) |
| USDA | 45 (2.4%) | 7 (3.1%) |
Loan Purpose Breakdown
| Purpose | CASTLE & COOKE | Washington County Bank |
|---|---|---|
| Home Purchase | 1,390 | 72 |
| Cash-out Refinancing | 316 | 17 |
| Refinancing | 174 | 127 |
| Other | — | 5 |
| Home Improvement | — | 4 |
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
- 225 total applications · 119 originated
- Approval rate: 52.9%
- Denial rate: 12.0%
- Avg loan: $176,644
- HQ: Blair, NE
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.