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 | Fox Communities Credit | CAPITAL CREDIT UNION |
|---|---|---|
| Total Applications | 2,731 ▲ | 3,176 |
| Loans Originated | 2,236 | 1,733 |
| Approval Rate (higher is better) | 81.9% ✓ | 54.6% |
| Denial Rate (lower is better) | 4.8% ✓ | 5.9% |
| Avg Loan Amount | $141,342 | $164,884 |
| Avg Interest Rate (lower is better) | 7.072% ✓ | 7.177% |
| Avg Applicant Income | $35,000 | $36,000 |
| Applications Denied | 132 | 188 |
| Applications Withdrawn | 2 | 414 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Fox Communities Credit | CAPITAL CREDIT UNION |
|---|---|---|
| Conventional | 2,731 (100.0%) | 3,139 (98.8%) |
| FHA | — | — |
| VA | — | 37 (1.2%) |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | Fox Communities Credit | CAPITAL CREDIT UNION |
|---|---|---|
| Other | 1,547 | 5 |
| Home Purchase | 700 | 1,338 |
| Cash-out Refinancing | 256 | 110 |
| Refinancing | 174 | 1,588 |
| Home Improvement | 54 | 135 |
Top States by Loan Volume
Summary
- 2,731 total applications · 2,236 originated
- Approval rate: 81.9%
- Denial rate: 4.8%
- Avg loan: $141,342
- Avg rate: 7.072%
- HQ: Appleton, WI
- 3,176 total applications · 1,733 originated
- Approval rate: 54.6%
- Denial rate: 5.9%
- Avg loan: $164,884
- Avg rate: 7.177%
- HQ: GREEN BAY, WI
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.