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 | Glacier Bank | OPPORTUNITY BANK OF |
|---|---|---|
| Total Applications | 7,296 ▲ | 1,537 |
| Loans Originated | 4,434 | 1,062 |
| Approval Rate (higher is better) | 60.8% | 69.1% ✓ |
| Denial Rate (lower is better) | 16.5% | 8.7% ✓ |
| Avg Loan Amount | $357,711 | $270,940 |
| Avg Interest Rate (lower is better) | 7.373% | 7.124% ✓ |
| Avg Applicant Income | $36,000 | $37,000 |
| Applications Denied | 1,203 | 134 |
| Applications Withdrawn | 1,434 | 296 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Glacier Bank | OPPORTUNITY BANK OF |
|---|---|---|
| Conventional | 6,476 (88.8%) | 1,285 (83.6%) |
| FHA | 578 (7.9%) | 140 (9.1%) |
| VA | 190 (2.6%) | 104 (6.8%) |
| USDA | 52 (0.7%) | 8 (0.5%) |
Loan Purpose Breakdown
| Purpose | Glacier Bank | OPPORTUNITY BANK OF |
|---|---|---|
| Home Purchase | 4,423 | 914 |
| Home Improvement | 1,138 | 252 |
| Other | 709 | 167 |
| Refinancing | 680 | 146 |
| Cash-out Refinancing | 346 | 58 |
Top States by Loan Volume
Summary
- 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
- 1,537 total applications · 1,062 originated
- Approval rate: 69.1%
- Denial rate: 8.7%
- Avg loan: $270,940
- Avg rate: 7.124%
- HQ: HELENA, 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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.