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 | Village Capital & | NATIONS DIRECT MORTGAGE, |
|---|---|---|
| Total Applications | 60,039 ▲ | 7,894 |
| Loans Originated | 11,531 | 5,464 |
| Approval Rate (higher is better) | 19.2% | 69.2% ✓ |
| Denial Rate (lower is better) | 7.4% | 7.4% ✓ |
| Avg Loan Amount | $361,705 | $426,145 |
| Avg Interest Rate (lower is better) | 5.942% ✓ | 6.889% |
| Avg Applicant Income | $42,000 | $40,000 |
| Applications Denied | 4,450 | 583 |
| Applications Withdrawn | 5,018 | 1,841 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Village Capital & | NATIONS DIRECT MORTGAGE, |
|---|---|---|
| Conventional | 105 (0.2%) | 5,480 (69.4%) |
| FHA | 24,899 (41.5%) | 1,740 (22.0%) |
| VA | 34,348 (57.2%) | 674 (8.5%) |
| USDA | 687 (1.1%) | — |
Loan Purpose Breakdown
| Purpose | Village Capital & | NATIONS DIRECT MORTGAGE, |
|---|---|---|
| Refinancing | 25,884 | 674 |
| Home Purchase | 17,879 | 5,593 |
| Cash-out Refinancing | 16,276 | 1,618 |
| Other | — | 5 |
| Home Improvement | — | 4 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| Oregon | 1,290 | #11 |
Summary
- 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
- 7,894 total applications · 5,464 originated
- Approval rate: 69.2%
- Denial rate: 7.4%
- Avg loan: $426,145
- Avg rate: 6.889%
- 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.