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 | Mascoma Bank | EMM Loans LLC |
|---|---|---|
| Total Applications | 1,244 | 7,355 ▲ |
| Loans Originated | 864 | 5,285 |
| Approval Rate (higher is better) | 69.5% | 71.9% ✓ |
| Denial Rate (lower is better) | 15.4% | 5.0% ✓ |
| Avg Loan Amount | $318,569 | $329,476 |
| Avg Interest Rate (lower is better) | 7.226% | 6.549% ✓ |
| Avg Applicant Income | $37,000 | $39,000 |
| Applications Denied | 192 | 366 |
| Applications Withdrawn | 78 | 718 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Mascoma Bank | EMM Loans LLC |
|---|---|---|
| Conventional | 1,244 (100.0%) | 4,180 (56.8%) |
| FHA | — | 2,547 (34.6%) |
| VA | — | 545 (7.4%) |
| USDA | — | 83 (1.1%) |
Loan Purpose Breakdown
| Purpose | Mascoma Bank | EMM Loans LLC |
|---|---|---|
| Home Purchase | 544 | 5,388 |
| Home Improvement | 260 | — |
| Other | 241 | — |
| Cash-out Refinancing | 128 | — |
| Refinancing | 71 | 1,967 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| Vermont | 448 | #8 |
| New Hampshire | 397 | #18 |
| State | Originated | Rank |
|---|---|---|
| New Hampshire | 760 | #10 |
| Vermont | 450 | #7 |
Summary
- 1,244 total applications · 864 originated
- Approval rate: 69.5%
- Denial rate: 15.4%
- Avg loan: $318,569
- Avg rate: 7.226%
- HQ: Lebanon, NH
- 7,355 total applications · 5,285 originated
- Approval rate: 71.9%
- Denial rate: 5.0%
- Avg loan: $329,476
- Avg rate: 6.549%
- HQ: Cherry Hill, NJ
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.