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 | Clark County Credit | Village Capital & |
|---|---|---|
| Total Applications | 1,302 | 60,039 ▲ |
| Loans Originated | 591 | 11,531 |
| Approval Rate (higher is better) | 45.4% ✓ | 19.2% |
| Denial Rate (lower is better) | 28.6% | 7.4% ✓ |
| Avg Loan Amount | $128,456 | $361,705 |
| Avg Interest Rate (lower is better) | 8.623% | 5.942% ✓ |
| Avg Applicant Income | $37,000 | $42,000 |
| Applications Denied | 372 | 4,450 |
| Applications Withdrawn | 213 | 5,018 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Clark County Credit | Village Capital & |
|---|---|---|
| Conventional | 1,247 (95.8%) | 105 (0.2%) |
| FHA | 52 (4.0%) | 24,899 (41.5%) |
| VA | 3 (0.2%) | 34,348 (57.2%) |
| USDA | — | 687 (1.1%) |
Loan Purpose Breakdown
| Purpose | Clark County Credit | Village Capital & |
|---|---|---|
| Other | 608 | — |
| Home Improvement | 431 | — |
| Home Purchase | 137 | 17,879 |
| Cash-out Refinancing | 113 | 16,276 |
| Refinancing | 13 | 25,884 |
Summary
- 1,302 total applications · 591 originated
- Approval rate: 45.4%
- Denial rate: 28.6%
- Avg loan: $128,456
- Avg rate: 8.623%
- HQ: Las Vegas, NV
- 60,039 total applications · 11,531 originated
- Approval rate: 19.2%
- Denial rate: 7.4%
- Avg loan: $361,705
- Avg rate: 5.942%
- HQ: Henderson, NV
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.