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 | Community First Credit | Fox Communities Credit |
|---|---|---|
| Total Applications | 3,307 ▲ | 2,731 |
| Loans Originated | 2,621 | 2,236 |
| Approval Rate (higher is better) | 79.3% | 81.9% ✓ |
| Denial Rate (lower is better) | 7.0% | 4.8% ✓ |
| Avg Loan Amount | $222,121 | $141,342 |
| Avg Interest Rate (lower is better) | 6.335% ✓ | 7.072% |
| Avg Applicant Income | $31,000 | $35,000 |
| Applications Denied | 232 | 132 |
| Applications Withdrawn | 435 | 2 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Community First Credit | Fox Communities Credit |
|---|---|---|
| Conventional | 3,307 (100.0%) | 2,731 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | Community First Credit | Fox Communities Credit |
|---|---|---|
| Home Purchase | 911 | 700 |
| Cash-out Refinancing | 778 | 256 |
| Other | 649 | 1,547 |
| Home Improvement | 551 | 54 |
| Refinancing | 418 | 174 |
Top States by Loan Volume
Summary
- 3,307 total applications · 2,621 originated
- Approval rate: 79.3%
- Denial rate: 7.0%
- Avg loan: $222,121
- Avg rate: 6.335%
- HQ: Neenah, WI
- 2,731 total applications · 2,236 originated
- Approval rate: 81.9%
- Denial rate: 4.8%
- Avg loan: $141,342
- Avg rate: 7.072%
- HQ: Appleton, WI
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.