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 | FIBRE FEDERAL CREDIT | Golden Empire Mortgage, |
|---|---|---|
| Total Applications | 1,339 | 4,939 ▲ |
| Loans Originated | 786 | 3,572 |
| Approval Rate (higher is better) | 58.7% | 72.3% ✓ |
| Denial Rate (lower is better) | 27.1% | 6.4% ✓ |
| Avg Loan Amount | $151,736 | $374,599 |
| Avg Interest Rate (lower is better) | 8.067% | 5.843% ✓ |
| Avg Applicant Income | $36,000 | $41,000 |
| Applications Denied | 363 | 315 |
| Applications Withdrawn | 13 | 974 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | FIBRE FEDERAL CREDIT | Golden Empire Mortgage, |
|---|---|---|
| Conventional | 1,306 (97.5%) | 3,223 (65.3%) |
| FHA | 29 (2.2%) | 1,453 (29.4%) |
| VA | 4 (0.3%) | 253 (5.1%) |
| USDA | — | 10 (0.2%) |
Loan Purpose Breakdown
| Purpose | FIBRE FEDERAL CREDIT | Golden Empire Mortgage, |
|---|---|---|
| Other | 477 | 24 |
| Home Improvement | 429 | — |
| Home Purchase | 295 | 4,189 |
| Cash-out Refinancing | 93 | 437 |
| Refinancing | 45 | 289 |
Summary
- 1,339 total applications · 786 originated
- Approval rate: 58.7%
- Denial rate: 27.1%
- Avg loan: $151,736
- Avg rate: 8.067%
- HQ: LONGVIEW, WA
- 4,939 total applications · 3,572 originated
- Approval rate: 72.3%
- Denial rate: 6.4%
- Avg loan: $374,599
- Avg rate: 5.843%
- HQ: Bakersfield, CA
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.