Denali State Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
88th2.2% deniedProcesswithdrawn + incomplete share, weight 15%
26th17.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 181 | 127 | 3.3% | 3.9% | — | $35M |
| 2024 | 147 | 102 | 6.8% | 7.9% | — | $28M |
| 2025 | 165 | 118 | 1.8% | 2.2% | — | $31M |
What Denali State Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 31 investment properties.
Who gets approved at Denali State Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 47 | 33 | 5.4% |
| $100k – $150k | 56 | 42 | 0.0% |
| $150k – $250k | 27 | 20 | 0.0% |
| Over $250k | 21 | 16 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 38 | 28 | 3.1% |
| 35–44 | 41 | 30 | 0.0% |
| 45–54 | 31 | 22 | 0.0% |
Where Denali State Bank lends
1 states and 5 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Alaska | 165 | 118 | 1.8% | — | #30 |
Frequently asked questions
Denali State Bank denied 2.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 88th percentile of small mortgage lenders.
In 2025, 65% of its applications were for home purchases, 23% for refinancing (including cash-out), and 12% for home improvement or other purposes. By loan type: 82% conventional, 8% FHA, 9% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.