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 | IDAHO CENTRAL CREDIT | MOUNTAIN AMERICA FEDERAL |
|---|---|---|
| Total Applications | 14,046 | 21,793 ▲ |
| Loans Originated | 8,573 | 9,806 |
| Approval Rate (higher is better) | 61.0% ✓ | 45.0% |
| Denial Rate (lower is better) | 20.0% ✓ | 33.0% |
| Avg Loan Amount | $220,303 | $170,706 |
| Avg Interest Rate (lower is better) | 7.845% ✓ | 8.178% |
| Avg Applicant Income | $36,000 | $37,000 |
| Applications Denied | 2,805 | 7,197 |
| Applications Withdrawn | 554 | 3,117 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | IDAHO CENTRAL CREDIT | MOUNTAIN AMERICA FEDERAL |
|---|---|---|
| Conventional | 13,387 (95.3%) | 21,257 (97.5%) |
| FHA | 496 (3.5%) | 445 (2.0%) |
| VA | 159 (1.1%) | 83 (0.4%) |
| USDA | 4 (0.0%) | 8 (0.0%) |
Loan Purpose Breakdown
| Purpose | IDAHO CENTRAL CREDIT | MOUNTAIN AMERICA FEDERAL |
|---|---|---|
| Home Improvement | 5,035 | 6,142 |
| Home Purchase | 3,998 | 3,187 |
| Cash-out Refinancing | 3,947 | 1,660 |
| Refinancing | 1,066 | 6,042 |
| Other | — | 4,762 |
Top States by Loan Volume
Summary
- 14,046 total applications · 8,573 originated
- Approval rate: 61.0%
- Denial rate: 20.0%
- Avg loan: $220,303
- Avg rate: 7.845%
- HQ: CHUBBUCK, ID
- 21,793 total applications · 9,806 originated
- Approval rate: 45.0%
- Denial rate: 33.0%
- Avg loan: $170,706
- Avg rate: 8.178%
- HQ: SANDY, UT
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.