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 | ENVISTA FEDERAL CREDIT | Azura Credit Union |
|---|---|---|
| Total Applications | 1,521 ▲ | 774 |
| Loans Originated | 723 | 387 |
| Approval Rate (higher is better) | 47.5% | 50.0% ✓ |
| Denial Rate (lower is better) | 12.1% ✓ | 19.6% |
| Avg Loan Amount | $115,204 | $102,778 |
| Avg Interest Rate (lower is better) | 7.365% ✓ | 7.815% |
| Avg Applicant Income | $34,000 | $35,000 |
| Applications Denied | 184 | 152 |
| Applications Withdrawn | 13 | 116 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | ENVISTA FEDERAL CREDIT | Azura Credit Union |
|---|---|---|
| Conventional | 1,521 (100.0%) | 748 (96.6%) |
| FHA | — | 20 (2.6%) |
| VA | — | 3 (0.4%) |
| USDA | — | 3 (0.4%) |
Loan Purpose Breakdown
| Purpose | ENVISTA FEDERAL CREDIT | Azura Credit Union |
|---|---|---|
| Home Purchase | 717 | 292 |
| Cash-out Refinancing | 432 | 171 |
| Home Improvement | 165 | 107 |
| Other | 119 | 69 |
| Refinancing | 88 | 135 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| Kansas | 718 | #15 |
No state data available.
Summary
- 1,521 total applications · 723 originated
- Approval rate: 47.5%
- Denial rate: 12.1%
- Avg loan: $115,204
- Avg rate: 7.365%
- HQ: TOPEKA, KS
- 774 total applications · 387 originated
- Approval rate: 50.0%
- Denial rate: 19.6%
- Avg loan: $102,778
- Avg rate: 7.815%
- HQ: Topeka, KS
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.