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 | Valley West Corporation | Village Capital & |
|---|---|---|
| Total Applications | 1,241 | 60,039 ▲ |
| Loans Originated | 485 | 11,531 |
| Approval Rate (higher is better) | 39.1% ✓ | 19.2% |
| Denial Rate (lower is better) | 7.0% ✓ | 7.4% |
| Avg Loan Amount | $415,596 | $361,705 |
| Avg Interest Rate (lower is better) | 6.040% | 5.942% ✓ |
| Avg Applicant Income | $37,000 | $42,000 |
| Applications Denied | 87 | 4,450 |
| Applications Withdrawn | 228 | 5,018 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Valley West Corporation | Village Capital & |
|---|---|---|
| Conventional | 142 (11.4%) | 105 (0.2%) |
| FHA | 474 (38.2%) | 24,899 (41.5%) |
| VA | 625 (50.4%) | 34,348 (57.2%) |
| USDA | — | 687 (1.1%) |
Loan Purpose Breakdown
| Purpose | Valley West Corporation | Village Capital & |
|---|---|---|
| Refinancing | 1,047 | 25,884 |
| Home Purchase | 147 | 17,879 |
| Cash-out Refinancing | 47 | 16,276 |
Summary
- 1,241 total applications · 485 originated
- Approval rate: 39.1%
- Denial rate: 7.0%
- Avg loan: $415,596
- Avg rate: 6.040%
- HQ: Las Vegas, NV
- 60,039 total applications · 11,531 originated
- Approval rate: 19.2%
- Denial rate: 7.4%
- Avg loan: $361,705
- Avg rate: 5.942%
- HQ: Henderson, NV
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.