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 | DUPACO COMMUNITY CREDIT | ROYAL BANK |
|---|---|---|
| Total Applications | 3,587 ▲ | 347 |
| Loans Originated | 2,580 | 255 |
| Approval Rate (higher is better) | 71.9% | 73.5% ✓ |
| Denial Rate (lower is better) | 19.3% | 11.8% ✓ |
| Avg Loan Amount | $118,329 | $158,689 |
| Avg Interest Rate (lower is better) | 7.538% | 7.511% ✓ |
| Avg Applicant Income | $34,000 | $33,000 |
| Applications Denied | 692 | 41 |
| Applications Withdrawn | 243 | 40 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | DUPACO COMMUNITY CREDIT | ROYAL BANK |
|---|---|---|
| Conventional | 3,587 (100.0%) | 347 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | DUPACO COMMUNITY CREDIT | ROYAL BANK |
|---|---|---|
| Other | 2,173 | 19 |
| Home Purchase | 966 | 237 |
| Cash-out Refinancing | 248 | 10 |
| Refinancing | 145 | 71 |
| Home Improvement | 55 | 10 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| Iowa | 1,908 | #6 |
No state data available.
Summary
- 3,587 total applications · 2,580 originated
- Approval rate: 71.9%
- Denial rate: 19.3%
- Avg loan: $118,329
- Avg rate: 7.538%
- HQ: DUBUQUE, IA
- 347 total applications · 255 originated
- Approval rate: 73.5%
- Denial rate: 11.8%
- Avg loan: $158,689
- Avg rate: 7.511%
- HQ: ELROY, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.