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 | Pioneer Federal Credit | IDAHO CENTRAL CREDIT |
|---|---|---|
| Total Applications | 580 | 14,046 ▲ |
| Loans Originated | 387 | 8,573 |
| Approval Rate (higher is better) | 66.7% ✓ | 61.0% |
| Denial Rate (lower is better) | 8.8% ✓ | 20.0% |
| Avg Loan Amount | $104,690 | $220,303 |
| Avg Interest Rate (lower is better) | 8.136% | 7.845% ✓ |
| Avg Applicant Income | $38,000 | $36,000 |
| Applications Denied | 51 | 2,805 |
| Applications Withdrawn | 110 | 554 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Pioneer Federal Credit | IDAHO CENTRAL CREDIT |
|---|---|---|
| Conventional | 579 (99.8%) | 13,387 (95.3%) |
| FHA | — | 496 (3.5%) |
| VA | 1 (0.2%) | 159 (1.1%) |
| USDA | — | 4 (0.0%) |
Loan Purpose Breakdown
| Purpose | Pioneer Federal Credit | IDAHO CENTRAL CREDIT |
|---|---|---|
| Other | 265 | — |
| Home Improvement | 155 | 5,035 |
| Cash-out Refinancing | 74 | 3,947 |
| Home Purchase | 54 | 3,998 |
| Refinancing | 32 | 1,066 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| Idaho | 8,181 | #1 |
Summary
- 580 total applications · 387 originated
- Approval rate: 66.7%
- Denial rate: 8.8%
- Avg loan: $104,690
- Avg rate: 8.136%
- HQ: Mountain Home, ID
- 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
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.