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 | NBKC BANK | Global Federal Credit |
|---|---|---|
| Total Applications | 18,437 ▲ | 4,306 |
| Loans Originated | 7,830 | 2,516 |
| Approval Rate (higher is better) | 42.5% | 58.4% ✓ |
| Denial Rate (lower is better) | 6.9% ✓ | 19.9% |
| Avg Loan Amount | $430,062 | $324,027 |
| Avg Interest Rate (lower is better) | 6.335% ✓ | 7.255% |
| Avg Applicant Income | $37,000 | $38,000 |
| Applications Denied | 1,268 | 857 |
| Applications Withdrawn | 3,288 | 738 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | NBKC BANK | Global Federal Credit |
|---|---|---|
| Conventional | 13,266 (72.0%) | 3,739 (86.8%) |
| FHA | 1,504 (8.2%) | 302 (7.0%) |
| VA | 3,667 (19.9%) | 256 (5.9%) |
| USDA | — | 9 (0.2%) |
Loan Purpose Breakdown
| Purpose | NBKC BANK | Global Federal Credit |
|---|---|---|
| Home Purchase | 14,579 | 2,057 |
| Refinancing | 2,056 | 292 |
| Cash-out Refinancing | 1,155 | 169 |
| Other | 624 | 832 |
| Home Improvement | 23 | 956 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| Alaska | 1,610 | #1 |
Summary
- 18,437 total applications · 7,830 originated
- Approval rate: 42.5%
- Denial rate: 6.9%
- Avg loan: $430,062
- Avg rate: 6.335%
- HQ: KANSAS CITY, MO
- 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
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.