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 | UNIWYO FEDERAL CREDIT | Jonah Bank |
|---|---|---|
| Total Applications | 644 ▲ | 439 |
| Loans Originated | 424 | 401 |
| Approval Rate (higher is better) | 65.8% | 91.3% ✓ |
| Denial Rate (lower is better) | 14.9% | 2.0% ✓ |
| Avg Loan Amount | $142,516 | $318,531 |
| Avg Interest Rate (lower is better) | 7.985% | 6.118% ✓ |
| Avg Applicant Income | $36,000 | $37,000 |
| Applications Denied | 96 | 9 |
| Applications Withdrawn | 118 | 28 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | UNIWYO FEDERAL CREDIT | Jonah Bank |
|---|---|---|
| Conventional | 629 (97.7%) | 307 (69.9%) |
| FHA | 7 (1.1%) | 61 (13.9%) |
| VA | 8 (1.2%) | 71 (16.2%) |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | UNIWYO FEDERAL CREDIT | Jonah Bank |
|---|---|---|
| Other | 212 | 7 |
| Home Improvement | 190 | 2 |
| Home Purchase | 159 | 396 |
| Cash-out Refinancing | 48 | 11 |
| Refinancing | 35 | 23 |
Top States by Loan Volume
Summary
- 644 total applications · 424 originated
- Approval rate: 65.8%
- Denial rate: 14.9%
- Avg loan: $142,516
- Avg rate: 7.985%
- HQ: LARAMIE, WY
- 439 total applications · 401 originated
- Approval rate: 91.3%
- Denial rate: 2.0%
- Avg loan: $318,531
- Avg rate: 6.118%
- HQ: Cheyenne, WY
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.