Bethel, AK Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 154 mortgage applications in Bethel, AK totaling $57.0 million, down 21% from 2021. The average application was for $370,000, and applicants reported an average income of $131,000. 44% of applications resulted in an originated loan and 8% were denied. The most active lender was Alaska USA Mortgage Company LLC, with 52 applications, followed by Global Federal Credit Union and Wells Fargo Bank NA.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 154 |
| Total Mortgage Loan Application Amount | $57,000,000 |
| Average Mortgage Loan Application Amount | $370,000 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $131,000 |
| Highest Applicant Income | $656,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Alaska USA Mortgage Company LLC 4000 CREDIT UNION DRIVE, STE. 700 ANCHORAGE, AK 99503 |
* | $ -1,000 | 52 | $ 19,950,000 |
| Global Federal Credit Union PO BOX 196850 ANCHORAGE, AK 99503 |
* | $ 10,716,065,000 | 47 | $ 17,565,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 13 | $ 2,955,000 |
| First National Bank Alaska 101 W 36TH AVE, STE 305 ANCHORAGE, AK 99501 |
* | $ 5,581,340,000 | 7 | $ 5,895,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 955,000 |
| Residential Mortgage, LLC 100 CALAIS DRIVE, SUITE 100 ANCHORAGE, AK 99503 |
* | $ -1,000 | 3 | $ 1,085,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 183,977,708,000 | 2 | $ 900,000 |
| Nuvision Federal Credit Union 7812 EDINGER AVENUE HUNTINGTON BEACH, CA 92677 |
* | $ 2,815,394,000 | 2 | $ 270,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 780,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 510,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 10,822,403,000 | 1 | $ 285,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 1 | $ 235,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 166,652,719,000 | 1 | $ 515,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 345,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 155,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 435,000 |
| Denali State Bank 119 N. CUSHMAN ST. FAIRBANKS, AK 99701 |
* | $ 470,847,000 | 1 | $ 575,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 295,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 1 | $ 115,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 395,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 265,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 285,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 205,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 1 | $ 455,000 |
The tables below break down 2022 mortgage applications in Bethel, AK by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Bethel, AK in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 97 | $42,955,000 | $442,000 | $3,505,000 | $147,000 | $656,000 |
| Cash-out Refinancing | 35 | $9,305,000 | $265,000 | $545,000 | $123,000 | $272,000 |
| Refinancing | 18 | $4,420,000 | $245,000 | $415,000 | $92,000 | $237,000 |
| Other Purpose | 2 | $220,000 | $110,000 | $165,000 | $49,000 | $53,000 |
| Home Improvement | 1 | $95,000 | $95,000 | $95,000 | $125,000 | $125,000 |
| Not Applicable | 1 | $5,000 | $5,000 | $5,000 | $30,000 | $30,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| American Indian or Alaskan Native | 49 | $14,385,000 | $293,000 | $705,000 | $116,000 | $656,000 |
| Not applicable | 45 | $21,175,000 | $470,000 | $3,505,000 | $0 | $0 |
| White | 28 | $10,590,000 | $378,000 | $735,000 | $147,000 | $359,000 |
| Not Provided | 22 | $7,920,000 | $360,000 | $645,000 | $147,000 | $375,000 |
| Black or African American | 6 | $1,680,000 | $280,000 | $345,000 | $102,000 | $134,000 |
| Hispanic | 3 | $935,000 | $311,000 | $445,000 | $171,000 | $226,000 |
| Asian | 1 | $315,000 | $315,000 | $315,000 | $151,000 | $151,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 88 | $32,840,000 | $373,000 | $3,505,000 | $139,000 | $375,000 |
| FHA-insured (Federal Housing Administration) | 57 | $20,975,000 | $367,000 | $735,000 | $115,000 | $656,000 |
| VA-guaranteed (Veterans Administration) | 7 | $2,215,000 | $316,000 | $435,000 | $133,000 | $169,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $970,000 | $485,000 | $485,000 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 68 | $27,510,000 | $404,000 | $3,505,000 | $144,000 | $656,000 |
| Loan Purchased By The Institution | 45 | $17,955,000 | $399,000 | $735,000 | $0 | $0 |
| Application Withdrawn By Applicant | 20 | $7,140,000 | $357,000 | $705,000 | $130,000 | $359,000 |
| Application Denied By Financial Institution | 13 | $3,335,000 | $256,000 | $455,000 | $83,000 | $169,000 |
| File Closed For Incompleteness | 6 | $980,000 | $163,000 | $355,000 | $102,000 | $167,000 |
| Application Approved But Not Accepted | 2 | $80,000 | $40,000 | $45,000 | $72,000 | $73,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 140 | $53,090,000 | $379,000 | $3,505,000 | $134,000 | $656,000 |
| Credit History | 5 | $1,075,000 | $215,000 | $385,000 | $90,000 | $169,000 |
| Debt-To-Income Ratio | 4 | $1,800,000 | $450,000 | $575,000 | $138,000 | $359,000 |
| Collateral | 3 | $675,000 | $225,000 | $405,000 | $76,000 | $90,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| Unverifiable Information | 1 | $285,000 | $285,000 | $285,000 | $130,000 | $130,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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