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 | Marion & Polk | OnPoint Community Credit |
|---|---|---|
| Total Applications | 1,181 | 10,400 ▲ |
| Loans Originated | 677 | 7,152 |
| Approval Rate (higher is better) | 57.3% | 68.8% ✓ |
| Denial Rate (lower is better) | 9.2% ✓ | 17.4% |
| Avg Loan Amount | $164,788 | $206,435 |
| Avg Interest Rate (lower is better) | 8.081% | 8.000% ✓ |
| Avg Applicant Income | $37,000 | $38,000 |
| Applications Denied | 109 | 1,807 |
| Applications Withdrawn | 111 | 807 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Marion & Polk | OnPoint Community Credit |
|---|---|---|
| Conventional | 1,175 (99.5%) | 10,193 (98.0%) |
| FHA | 4 (0.3%) | 171 (1.6%) |
| VA | 1 (0.1%) | 36 (0.3%) |
| USDA | 1 (0.1%) | — |
Loan Purpose Breakdown
| Purpose | Marion & Polk | OnPoint Community Credit |
|---|---|---|
| Home Improvement | 439 | 3,626 |
| Home Purchase | 363 | 2,634 |
| Other | 349 | 1,856 |
| Refinancing | 15 | 2,030 |
| Cash-out Refinancing | 15 | 254 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| Oregon | 6,540 | #1 |
Summary
- 1,181 total applications · 677 originated
- Approval rate: 57.3%
- Denial rate: 9.2%
- Avg loan: $164,788
- Avg rate: 8.081%
- HQ: Salem, OR
- 10,400 total applications · 7,152 originated
- Approval rate: 68.8%
- Denial rate: 17.4%
- Avg loan: $206,435
- Avg rate: 8.000%
- HQ: Portland, OR
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.