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 | Guthrie County State | VERIDIAN CREDIT UNION |
|---|---|---|
| Total Applications | 45 | 11,053 ▲ |
| Loans Originated | 45 | 7,554 |
| Approval Rate (higher is better) | 100.0% ✓ | 68.3% |
| Denial Rate (lower is better) | 0.0% ✓ | 12.1% |
| Avg Loan Amount | $189,667 | $124,193 |
| Avg Interest Rate (lower is better) | N/A | 7.077% |
| Avg Applicant Income | N/A | $34,000 |
| Applications Denied | 0 | 1,338 |
| Applications Withdrawn | 0 | 1,183 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Guthrie County State | VERIDIAN CREDIT UNION |
|---|---|---|
| Conventional | 45 (100.0%) | 10,932 (98.9%) |
| FHA | — | — |
| VA | — | 121 (1.1%) |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | Guthrie County State | VERIDIAN CREDIT UNION |
|---|---|---|
| Home Purchase | 26 | 3,340 |
| Other | 9 | 3,766 |
| Home Improvement | 7 | 2,476 |
| Refinancing | 3 | 989 |
| Cash-out Refinancing | — | 482 |
Top States by Loan Volume
Summary
- 45 total applications · 45 originated
- Approval rate: 100.0%
- Denial rate: 0.0%
- Avg loan: $189,667
- HQ: Panora, IA
- 11,053 total applications · 7,554 originated
- Approval rate: 68.3%
- Denial rate: 12.1%
- Avg loan: $124,193
- Avg rate: 7.077%
- HQ: WATERLOO, IA
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.