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 | HIGH COUNTRY BANK | Pulte Mortgage LLC |
|---|---|---|
| Total Applications | 237 | 28,004 ▲ |
| Loans Originated | 173 | 19,692 |
| Approval Rate (higher is better) | 73.0% ✓ | 70.3% |
| Denial Rate (lower is better) | 7.6% ✓ | 10.9% |
| Avg Loan Amount | $379,895 | $432,664 |
| Avg Interest Rate (lower is better) | 6.613% | 5.927% ✓ |
| Avg Applicant Income | $36,000 | $39,000 |
| Applications Denied | 18 | 3,062 |
| Applications Withdrawn | 44 | 4,107 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | HIGH COUNTRY BANK | Pulte Mortgage LLC |
|---|---|---|
| Conventional | 237 (100.0%) | 20,635 (73.7%) |
| FHA | — | 4,580 (16.4%) |
| VA | — | 2,740 (9.8%) |
| USDA | — | 49 (0.2%) |
Loan Purpose Breakdown
| Purpose | HIGH COUNTRY BANK | Pulte Mortgage LLC |
|---|---|---|
| Home Purchase | 110 | 28,004 |
| Cash-out Refinancing | 60 | — |
| Refinancing | 51 | — |
| Other | 9 | — |
| Home Improvement | 7 | — |
Top States by Loan Volume
Summary
- 237 total applications · 173 originated
- Approval rate: 73.0%
- Denial rate: 7.6%
- Avg loan: $379,895
- Avg rate: 6.613%
- HQ: SALIDA, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.