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 | ESL Federal Credit | RELIANT COMMUNITY FCU |
|---|---|---|
| Total Applications | 7,859 ▲ | 946 |
| Loans Originated | 5,554 | 677 |
| Approval Rate (higher is better) | 70.7% | 71.6% ✓ |
| Denial Rate (lower is better) | 18.0% | 17.0% ✓ |
| Avg Loan Amount | $105,786 | $90,613 |
| Avg Interest Rate (lower is better) | 6.123% | 5.359% ✓ |
| Avg Applicant Income | $35,000 | $35,000 |
| Applications Denied | 1,418 | 161 |
| Applications Withdrawn | 296 | 74 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | ESL Federal Credit | RELIANT COMMUNITY FCU |
|---|---|---|
| Conventional | 7,802 (99.3%) | 946 (100.0%) |
| FHA | 55 (0.7%) | — |
| VA | 2 (0.0%) | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | ESL Federal Credit | RELIANT COMMUNITY FCU |
|---|---|---|
| Other | 3,432 | 325 |
| Home Improvement | 2,207 | 230 |
| Refinancing | 1,354 | 206 |
| Home Purchase | 802 | 158 |
| Cash-out Refinancing | 64 | 27 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| New York | 5,554 | #6 |
No state data available.
Summary
- 7,859 total applications · 5,554 originated
- Approval rate: 70.7%
- Denial rate: 18.0%
- Avg loan: $105,786
- Avg rate: 6.123%
- HQ: Rochester, NY
- 946 total applications · 677 originated
- Approval rate: 71.6%
- Denial rate: 17.0%
- Avg loan: $90,613
- Avg rate: 5.359%
- HQ: SODUS, NY
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.