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 | Zions Bancorporation, N.A. | Credit Human Federal |
|---|---|---|
| Total Applications | 19,040 ▲ | 28,052 |
| Loans Originated | 9,493 | 2,953 |
| Approval Rate (higher is better) | 49.9% ✓ | 10.5% |
| Denial Rate (lower is better) | 32.0% ✓ | 75.7% |
| Avg Loan Amount | $432,372 | $113,038 |
| Avg Interest Rate (lower is better) | 7.780% ✓ | 8.518% |
| Avg Applicant Income | $38,000 | $35,000 |
| Applications Denied | 6,095 | 21,223 |
| Applications Withdrawn | 194 | 268 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Zions Bancorporation, N.A. | Credit Human Federal |
|---|---|---|
| Conventional | 18,876 (99.1%) | 28,052 (100.0%) |
| FHA | 107 (0.6%) | — |
| VA | 57 (0.3%) | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | Zions Bancorporation, N.A. | Credit Human Federal |
|---|---|---|
| Other | 5,981 | 352 |
| Home Purchase | 5,122 | 27,188 |
| Refinancing | 3,515 | 176 |
| Home Improvement | 3,345 | 206 |
| Cash-out Refinancing | 1,077 | 130 |
Top States by Loan Volume
Summary
- 19,040 total applications · 9,493 originated
- Approval rate: 49.9%
- Denial rate: 32.0%
- Avg loan: $432,372
- Avg rate: 7.780%
- HQ: The Woodlands, TX
- 28,052 total applications · 2,953 originated
- Approval rate: 10.5%
- Denial rate: 75.7%
- Avg loan: $113,038
- Avg rate: 8.518%
- HQ: San Antonio, TX
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.