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 | PANORAMA MORTGAGE GROUP, | Village Capital & |
|---|---|---|
| Total Applications | 4,626 | 60,039 ▲ |
| Loans Originated | 1,813 | 11,531 |
| Approval Rate (higher is better) | 39.2% ✓ | 19.2% |
| Denial Rate (lower is better) | 0.8% ✓ | 7.4% |
| Avg Loan Amount | $307,142 | $361,705 |
| Avg Interest Rate (lower is better) | 5.919% ✓ | 5.942% |
| Avg Applicant Income | $42,000 | $42,000 |
| Applications Denied | 38 | 4,450 |
| Applications Withdrawn | 880 | 5,018 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | PANORAMA MORTGAGE GROUP, | Village Capital & |
|---|---|---|
| Conventional | 1,598 (34.5%) | 105 (0.2%) |
| FHA | 2,922 (63.2%) | 24,899 (41.5%) |
| VA | 97 (2.1%) | 34,348 (57.2%) |
| USDA | 9 (0.2%) | 687 (1.1%) |
Loan Purpose Breakdown
| Purpose | PANORAMA MORTGAGE GROUP, | Village Capital & |
|---|---|---|
| Home Purchase | 4,357 | 17,879 |
| Cash-out Refinancing | 165 | 16,276 |
| Refinancing | 103 | 25,884 |
| Other | 1 | — |
Summary
- 4,626 total applications · 1,813 originated
- Approval rate: 39.2%
- Denial rate: 0.8%
- Avg loan: $307,142
- Avg rate: 5.919%
- HQ: LAS VEGAS, NV
- 60,039 total applications · 11,531 originated
- Approval rate: 19.2%
- Denial rate: 7.4%
- Avg loan: $361,705
- Avg rate: 5.942%
- HQ: Henderson, NV
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.