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 | Global Federal Credit | DENALI STATE BANK |
|---|---|---|
| Total Applications | 4,306 ▲ | 147 |
| Loans Originated | 2,516 | 102 |
| Approval Rate (higher is better) | 58.4% | 69.4% ✓ |
| Denial Rate (lower is better) | 19.9% | 6.8% ✓ |
| Avg Loan Amount | $324,027 | $269,694 |
| Avg Interest Rate (lower is better) | 7.255% | N/A |
| Avg Applicant Income | $38,000 | N/A |
| Applications Denied | 857 | 10 |
| Applications Withdrawn | 738 | 21 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Global Federal Credit | DENALI STATE BANK |
|---|---|---|
| Conventional | 3,739 (86.8%) | 120 (81.6%) |
| FHA | 302 (7.0%) | 6 (4.1%) |
| VA | 256 (5.9%) | 21 (14.3%) |
| USDA | 9 (0.2%) | — |
Loan Purpose Breakdown
| Purpose | Global Federal Credit | DENALI STATE BANK |
|---|---|---|
| Home Purchase | 2,057 | 108 |
| Home Improvement | 956 | 3 |
| Other | 832 | 4 |
| Refinancing | 292 | 20 |
| Cash-out Refinancing | 169 | 12 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| Alaska | 1,610 | #1 |
No state data available.
Summary
- 4,306 total applications · 2,516 originated
- Approval rate: 58.4%
- Denial rate: 19.9%
- Avg loan: $324,027
- Avg rate: 7.255%
- HQ: Anchorage, AK
- 147 total applications · 102 originated
- Approval rate: 69.4%
- Denial rate: 6.8%
- Avg loan: $269,694
- HQ: FAIRBANKS, AK
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.