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 | ROGUE CREDIT UNION | NATIONS LENDING CORPORATION |
|---|---|---|
| Total Applications | 2,752 | 8,322 ▲ |
| Loans Originated | 1,802 | 6,504 |
| Approval Rate (higher is better) | 65.5% | 78.2% ✓ |
| Denial Rate (lower is better) | 12.1% | 5.3% ✓ |
| Avg Loan Amount | $154,433 | $293,291 |
| Avg Interest Rate (lower is better) | 8.200% | 6.529% ✓ |
| Avg Applicant Income | $37,000 | $40,000 |
| Applications Denied | 333 | 443 |
| Applications Withdrawn | 537 | 449 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | ROGUE CREDIT UNION | NATIONS LENDING CORPORATION |
|---|---|---|
| Conventional | 2,710 (98.5%) | 4,411 (53.0%) |
| FHA | — | 2,798 (33.6%) |
| VA | 42 (1.5%) | 981 (11.8%) |
| USDA | — | 132 (1.6%) |
Loan Purpose Breakdown
| Purpose | ROGUE CREDIT UNION | NATIONS LENDING CORPORATION |
|---|---|---|
| Home Purchase | 889 | 5,717 |
| Home Improvement | 766 | — |
| Other | 638 | 9 |
| Refinancing | 292 | 777 |
| Cash-out Refinancing | 167 | 1,819 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| Oregon | 1,714 | #7 |
No state data available.
Summary
- 2,752 total applications · 1,802 originated
- Approval rate: 65.5%
- Denial rate: 12.1%
- Avg loan: $154,433
- Avg rate: 8.200%
- HQ: MEDFORD, OR
- 8,322 total applications · 6,504 originated
- Approval rate: 78.2%
- Denial rate: 5.3%
- Avg loan: $293,291
- Avg rate: 6.529%
- HQ: INDEPENDENCE, OH
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.