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 | FIRST WESTERN TRUST | Pulte Mortgage LLC |
|---|---|---|
| Total Applications | 1,226 | 28,004 ▲ |
| Loans Originated | 890 | 19,692 |
| Approval Rate (higher is better) | 72.6% ✓ | 70.3% |
| Denial Rate (lower is better) | 0.7% ✓ | 10.9% |
| Avg Loan Amount | $561,485 | $432,664 |
| Avg Interest Rate (lower is better) | 6.563% | 5.927% ✓ |
| Avg Applicant Income | $37,000 | $39,000 |
| Applications Denied | 9 | 3,062 |
| Applications Withdrawn | 220 | 4,107 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | FIRST WESTERN TRUST | Pulte Mortgage LLC |
|---|---|---|
| Conventional | 993 (81.0%) | 20,635 (73.7%) |
| FHA | 105 (8.6%) | 4,580 (16.4%) |
| VA | 128 (10.4%) | 2,740 (9.8%) |
| USDA | — | 49 (0.2%) |
Loan Purpose Breakdown
| Purpose | FIRST WESTERN TRUST | Pulte Mortgage LLC |
|---|---|---|
| Home Purchase | 1,011 | 28,004 |
| Refinancing | 130 | — |
| Cash-out Refinancing | 81 | — |
| Other | 3 | — |
| Home Improvement | 1 | — |
Top States by Loan Volume
Summary
- 1,226 total applications · 890 originated
- Approval rate: 72.6%
- Denial rate: 0.7%
- Avg loan: $561,485
- Avg rate: 6.563%
- HQ: DENVER, CO
- 28,004 total applications · 19,692 originated
- Approval rate: 70.3%
- Denial rate: 10.9%
- Avg loan: $432,664
- Avg rate: 5.927%
- HQ: Englewood, CO
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.