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 | TWINSTAR CREDIT UNION | Coastal Community Bank |
|---|---|---|
| Total Applications | 2,280 | 64,233 ▲ |
| Loans Originated | 1,183 | 15,099 |
| Approval Rate (higher is better) | 51.9% ✓ | 23.5% |
| Denial Rate (lower is better) | 30.4% | 1.6% ✓ |
| Avg Loan Amount | $166,838 | $70,082 |
| Avg Interest Rate (lower is better) | 8.276% ✓ | 12.093% |
| Avg Applicant Income | $36,000 | $38,000 |
| Applications Denied | 694 | 1,039 |
| Applications Withdrawn | 216 | 3,270 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | TWINSTAR CREDIT UNION | Coastal Community Bank |
|---|---|---|
| Conventional | 2,268 (99.5%) | 64,233 (100.0%) |
| FHA | — | — |
| VA | 12 (0.5%) | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | TWINSTAR CREDIT UNION | Coastal Community Bank |
|---|---|---|
| Other | 904 | 38,300 |
| Home Improvement | 742 | 23,462 |
| Home Purchase | 336 | 25 |
| Refinancing | 192 | 4 |
| Cash-out Refinancing | 106 | 2,442 |
Summary
- 2,280 total applications · 1,183 originated
- Approval rate: 51.9%
- Denial rate: 30.4%
- Avg loan: $166,838
- Avg rate: 8.276%
- HQ: OLYMPIA, WA
- 64,233 total applications · 15,099 originated
- Approval rate: 23.5%
- Denial rate: 1.6%
- Avg loan: $70,082
- Avg rate: 12.093%
- HQ: Everett, WA
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.