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 | LAND HOME FINANCIAL | TRI COUNTIES BANK |
|---|---|---|
| Total Applications | 2,005 ▲ | 1,935 |
| Loans Originated | 1,351 | 1,039 |
| Approval Rate (higher is better) | 67.4% ✓ | 53.7% |
| Denial Rate (lower is better) | 6.4% ✓ | 27.9% |
| Avg Loan Amount | $327,334 | $317,568 |
| Avg Interest Rate (lower is better) | 7.075% ✓ | 8.274% |
| Avg Applicant Income | $40,000 | $36,000 |
| Applications Denied | 129 | 539 |
| Applications Withdrawn | 276 | 175 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | LAND HOME FINANCIAL | TRI COUNTIES BANK |
|---|---|---|
| Conventional | 952 (47.5%) | 1,931 (99.8%) |
| FHA | 911 (45.4%) | 2 (0.1%) |
| VA | 131 (6.5%) | 1 (0.1%) |
| USDA | 11 (0.5%) | 1 (0.1%) |
Loan Purpose Breakdown
| Purpose | LAND HOME FINANCIAL | TRI COUNTIES BANK |
|---|---|---|
| Home Purchase | 1,632 | 446 |
| Refinancing | 167 | 250 |
| Cash-out Refinancing | 160 | 80 |
| Other | 45 | 755 |
| Home Improvement | — | 404 |
Summary
- 2,005 total applications · 1,351 originated
- Approval rate: 67.4%
- Denial rate: 6.4%
- Avg loan: $327,334
- Avg rate: 7.075%
- HQ: CONCORD, CA
- 1,935 total applications · 1,039 originated
- Approval rate: 53.7%
- Denial rate: 27.9%
- Avg loan: $317,568
- Avg rate: 8.274%
- HQ: CHICO, CA
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.