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 | Wright Patt Credit | Union Savings Bank |
|---|---|---|
| Total Applications | 8,315 | 8,876 ▲ |
| Loans Originated | 5,344 | 6,831 |
| Approval Rate (higher is better) | 64.3% | 77.0% ✓ |
| Denial Rate (lower is better) | 23.5% | 6.3% ✓ |
| Avg Loan Amount | $131,946 | $264,029 |
| Avg Interest Rate (lower is better) | 7.919% | 7.169% ✓ |
| Avg Applicant Income | $33,000 | $33,000 |
| Applications Denied | 1,956 | 564 |
| Applications Withdrawn | 403 | 1,112 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Wright Patt Credit | Union Savings Bank |
|---|---|---|
| Conventional | 8,084 (97.2%) | 7,954 (89.6%) |
| FHA | 160 (1.9%) | 670 (7.5%) |
| VA | 65 (0.8%) | 214 (2.4%) |
| USDA | 6 (0.1%) | 38 (0.4%) |
Loan Purpose Breakdown
| Purpose | Wright Patt Credit | Union Savings Bank |
|---|---|---|
| Home Improvement | 2,725 | 897 |
| Home Purchase | 2,716 | 5,394 |
| Other | 1,268 | 857 |
| Refinancing | 1,246 | 925 |
| Cash-out Refinancing | 360 | 797 |
Top States by Loan Volume
Summary
- 8,315 total applications · 5,344 originated
- Approval rate: 64.3%
- Denial rate: 23.5%
- Avg loan: $131,946
- Avg rate: 7.919%
- HQ: Beavercreek, OH
- 8,876 total applications · 6,831 originated
- Approval rate: 77.0%
- Denial rate: 6.3%
- Avg loan: $264,029
- Avg rate: 7.169%
- HQ: Cincinnati, OH
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.