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 | TRUHOME SOLUTIONS, LLC | COMMUNITYAMERICA CREDIT UNION |
|---|---|---|
| Total Applications | 2,014 | 9,380 ▲ |
| Loans Originated | 279 | 6,246 |
| Approval Rate (higher is better) | 13.9% | 66.6% ✓ |
| Denial Rate (lower is better) | 7.1% ✓ | 15.0% |
| Avg Loan Amount | $265,214 | $199,674 |
| Avg Interest Rate (lower is better) | 6.304% ✓ | 6.860% |
| Avg Applicant Income | $41,000 | $34,000 |
| Applications Denied | 143 | 1,411 |
| Applications Withdrawn | 283 | 1,091 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | TRUHOME SOLUTIONS, LLC | COMMUNITYAMERICA CREDIT UNION |
|---|---|---|
| Conventional | 833 (41.4%) | 8,900 (94.9%) |
| FHA | 924 (45.9%) | 370 (3.9%) |
| VA | 244 (12.1%) | 100 (1.1%) |
| USDA | 13 (0.6%) | 10 (0.1%) |
Loan Purpose Breakdown
| Purpose | TRUHOME SOLUTIONS, LLC | COMMUNITYAMERICA CREDIT UNION |
|---|---|---|
| Home Purchase | 1,359 | 3,416 |
| Cash-out Refinancing | 529 | 556 |
| Refinancing | 118 | 1,501 |
| Home Improvement | — | 2,172 |
| Other | — | 1,735 |
Top States by Loan Volume
Summary
- 2,014 total applications · 279 originated
- Approval rate: 13.9%
- Denial rate: 7.1%
- Avg loan: $265,214
- Avg rate: 6.304%
- HQ: OVERLAND PARK, KS
- 9,380 total applications · 6,246 originated
- Approval rate: 66.6%
- Denial rate: 15.0%
- Avg loan: $199,674
- Avg rate: 6.860%
- HQ: LENEXA, KS
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.