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 | GREYLOCK FEDERAL CREDIT | ADAMS COMMUNITY BANK |
|---|---|---|
| Total Applications | 1,386 ▲ | 584 |
| Loans Originated | 957 | 403 |
| Approval Rate (higher is better) | 69.0% ✓ | 69.0% |
| Denial Rate (lower is better) | 12.3% | 9.6% ✓ |
| Avg Loan Amount | $151,414 | $280,976 |
| Avg Interest Rate (lower is better) | 6.693% ✓ | 6.790% |
| Avg Applicant Income | $38,000 | $34,000 |
| Applications Denied | 170 | 56 |
| Applications Withdrawn | 147 | 96 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | GREYLOCK FEDERAL CREDIT | ADAMS COMMUNITY BANK |
|---|---|---|
| Conventional | 1,386 (100.0%) | 582 (99.7%) |
| FHA | — | — |
| VA | — | 2 (0.3%) |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | GREYLOCK FEDERAL CREDIT | ADAMS COMMUNITY BANK |
|---|---|---|
| Home Purchase | 525 | 427 |
| Home Improvement | 479 | 52 |
| Other | 214 | 36 |
| Refinancing | 159 | 69 |
| Cash-out Refinancing | 9 | — |
Summary
- 1,386 total applications · 957 originated
- Approval rate: 69.0%
- Denial rate: 12.3%
- Avg loan: $151,414
- Avg rate: 6.693%
- HQ: PITTSFIELD, MA
- 584 total applications · 403 originated
- Approval rate: 69.0%
- Denial rate: 9.6%
- Avg loan: $280,976
- Avg rate: 6.790%
- HQ: ADAMS, MA
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.