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 | Change Lending, LLC | TRI COUNTIES BANK |
|---|---|---|
| Total Applications | 9,644 ▲ | 1,935 |
| Loans Originated | 5,407 | 1,039 |
| Approval Rate (higher is better) | 56.1% ✓ | 53.7% |
| Denial Rate (lower is better) | 8.9% ✓ | 27.9% |
| Avg Loan Amount | $527,343 | $317,568 |
| Avg Interest Rate (lower is better) | 7.404% ✓ | 8.274% |
| Avg Applicant Income | $40,000 | $36,000 |
| Applications Denied | 861 | 539 |
| Applications Withdrawn | 3,168 | 175 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Change Lending, LLC | TRI COUNTIES BANK |
|---|---|---|
| Conventional | 7,940 (82.3%) | 1,931 (99.8%) |
| FHA | 1,304 (13.5%) | 2 (0.1%) |
| VA | 393 (4.1%) | 1 (0.1%) |
| USDA | 7 (0.1%) | 1 (0.1%) |
Loan Purpose Breakdown
| Purpose | Change Lending, LLC | TRI COUNTIES BANK |
|---|---|---|
| Home Purchase | 5,030 | 446 |
| Cash-out Refinancing | 1,760 | 80 |
| Refinancing | 863 | 250 |
| Home Improvement | 57 | 404 |
| Other | — | 755 |
Summary
- 9,644 total applications · 5,407 originated
- Approval rate: 56.1%
- Denial rate: 8.9%
- Avg loan: $527,343
- Avg rate: 7.404%
- HQ: Anaheim, CA
- 1,935 total applications · 1,039 originated
- Approval rate: 53.7%
- Denial rate: 27.9%
- Avg loan: $317,568
- Avg rate: 8.274%
- HQ: CHICO, CA
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.