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 | CLEARWATER FEDERAL CREDIT | Glacier Bank |
|---|---|---|
| Total Applications | 291 | 7,296 ▲ |
| Loans Originated | 167 | 4,434 |
| Approval Rate (higher is better) | 57.4% | 60.8% ✓ |
| Denial Rate (lower is better) | 20.6% | 16.5% ✓ |
| Avg Loan Amount | $244,278 | $357,711 |
| Avg Interest Rate (lower is better) | 7.568% | 7.373% ✓ |
| Avg Applicant Income | $37,000 | $36,000 |
| Applications Denied | 60 | 1,203 |
| Applications Withdrawn | 64 | 1,434 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | CLEARWATER FEDERAL CREDIT | Glacier Bank |
|---|---|---|
| Conventional | 287 (98.6%) | 6,476 (88.8%) |
| FHA | — | 578 (7.9%) |
| VA | 4 (1.4%) | 190 (2.6%) |
| USDA | — | 52 (0.7%) |
Loan Purpose Breakdown
| Purpose | CLEARWATER FEDERAL CREDIT | Glacier Bank |
|---|---|---|
| Home Purchase | 100 | 4,423 |
| Other | 86 | 709 |
| Home Improvement | 67 | 1,138 |
| Cash-out Refinancing | 24 | 346 |
| Refinancing | 14 | 680 |
Top States by Loan Volume
Summary
- 291 total applications · 167 originated
- Approval rate: 57.4%
- Denial rate: 20.6%
- Avg loan: $244,278
- Avg rate: 7.568%
- HQ: MISSOULA, MT
- 7,296 total applications · 4,434 originated
- Approval rate: 60.8%
- Denial rate: 16.5%
- Avg loan: $357,711
- Avg rate: 7.373%
- HQ: Kalispell, MT
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.