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 | GOLDEN PLAINS CREDIT | COMMUNITYAMERICA CREDIT UNION |
|---|---|---|
| Total Applications | 859 | 9,380 ▲ |
| Loans Originated | 503 | 6,246 |
| Approval Rate (higher is better) | 58.6% | 66.6% ✓ |
| Denial Rate (lower is better) | 16.5% | 15.0% ✓ |
| Avg Loan Amount | $120,751 | $199,674 |
| Avg Interest Rate (lower is better) | 7.085% | 6.860% ✓ |
| Avg Applicant Income | $32,000 | $34,000 |
| Applications Denied | 142 | 1,411 |
| Applications Withdrawn | 97 | 1,091 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | GOLDEN PLAINS CREDIT | COMMUNITYAMERICA CREDIT UNION |
|---|---|---|
| Conventional | 792 (92.2%) | 8,900 (94.9%) |
| FHA | 2 (0.2%) | 370 (3.9%) |
| VA | — | 100 (1.1%) |
| USDA | 65 (7.6%) | 10 (0.1%) |
Loan Purpose Breakdown
| Purpose | GOLDEN PLAINS CREDIT | COMMUNITYAMERICA CREDIT UNION |
|---|---|---|
| Home Purchase | 611 | 3,416 |
| Other | 91 | 1,735 |
| Cash-out Refinancing | 88 | 556 |
| Home Improvement | 50 | 2,172 |
| Refinancing | 19 | 1,501 |
Top States by Loan Volume
Summary
- 859 total applications · 503 originated
- Approval rate: 58.6%
- Denial rate: 16.5%
- Avg loan: $120,751
- Avg rate: 7.085%
- HQ: GARDEN CITY, KS
- 9,380 total applications · 6,246 originated
- Approval rate: 66.6%
- Denial rate: 15.0%
- Avg loan: $199,674
- Avg rate: 6.860%
- HQ: LENEXA, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.