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 | CoreFirst Bank & |
|---|---|---|
| Total Applications | 1,521 ▲ | 596 |
| Loans Originated | 723 | 404 |
| Approval Rate (higher is better) | 47.5% | 67.8% ✓ |
| Denial Rate (lower is better) | 12.1% | 10.1% ✓ |
| Avg Loan Amount | $115,204 | $142,013 |
| Avg Interest Rate (lower is better) | 7.365% ✓ | 8.136% |
| Avg Applicant Income | $34,000 | $32,000 |
| Applications Denied | 184 | 60 |
| Applications Withdrawn | 13 | 1 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | ENVISTA FEDERAL CREDIT | CoreFirst Bank & |
|---|---|---|
| Conventional | 1,521 (100.0%) | 596 (100.0%) |
| FHA | — | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | ENVISTA FEDERAL CREDIT | CoreFirst Bank & |
|---|---|---|
| Home Purchase | 717 | 194 |
| Cash-out Refinancing | 432 | 98 |
| Home Improvement | 165 | 128 |
| Other | 119 | 158 |
| Refinancing | 88 | 18 |
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
- 596 total applications · 404 originated
- Approval rate: 67.8%
- Denial rate: 10.1%
- Avg loan: $142,013
- Avg rate: 8.136%
- 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.