Bethel, AK Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 211 mortgage applications in Bethel, AK totaling $60.7 million, up 26% from 2019. The average application was for $287,000, and applicants reported an average income of $121,000. 44% of applications resulted in an originated loan and 9% were denied. The most active lender was Alaska USA Mortgage Company LLC, with 84 applications, followed by Global Federal Credit Union and First National Bank Alaska.
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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 | 211 |
| Total Mortgage Loan Application Amount | $60,675,000 |
| Average Mortgage Loan Application Amount | $287,000 |
| Highest Mortgage Loan Application Amount | $555,000 |
| Average Applicant Income | $121,000 |
| Highest Applicant Income | $402,000 |
Top Mortgage Lenders in Bethel, AK (2020)
Ranked by the number of mortgage applications each lender reported in Bethel, AK in 2020.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Alaska USA Mortgage Company LLC Anchorage, AK |
84 | $25,380,000 | $302,000 | $117,000 |
| 2 | Global Federal Credit Union Anchorage, AK |
69 | $19,495,000 | $282,000 | $123,000 |
| 3 | First National Bank Alaska Anchorage, AK |
19 | $5,995,000 | $315,000 | $144,000 |
| 4 | Wells Fargo Bank NA Minneapolis, MN |
12 | $2,860,000 | $238,000 | $150,000 |
| 5 | USAA Federal Savings Bank San Antonio, TX |
5 | $1,335,000 | $267,000 | $96,000 |
| 6 | Residential Mortgage, LLC Anchorage, AK |
3 | $545,000 | $181,000 | $72,000 |
| 7 | loanDepot.com LLC Irvine, CA |
3 | $865,000 | $288,000 | $103,000 |
| 8 | Amerisave Mortgage Company Sandy Springs, GA |
2 | $620,000 | $310,000 | $108,000 |
| 9 | PennyMac Loan Services LLC Westlake Village, CA |
1 | $275,000 | $275,000 | $0 |
| 10 | Better Mortgage Corporation New York, NY |
1 | $305,000 | $305,000 | $141,000 |
The tables below break down 2020 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 2020
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 | 88 | $29,140,000 | $331,000 | $545,000 | $123,000 | $381,000 |
| Refinancing | 68 | $18,730,000 | $275,000 | $545,000 | $135,000 | $402,000 |
| Cash-out Refinancing | 34 | $9,250,000 | $272,000 | $435,000 | $105,000 | $272,000 |
| Other Purpose | 12 | $2,640,000 | $220,000 | $355,000 | $92,000 | $160,000 |
| Home Improvement | 7 | $745,000 | $106,000 | $555,000 | $133,000 | $257,000 |
| Not Applicable | 2 | $170,000 | $85,000 | $95,000 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| White | 77 | $21,985,000 | $285,000 | $545,000 | $153,000 | $402,000 |
| American Indian or Alaskan Native | 74 | $21,710,000 | $293,000 | $485,000 | $87,000 | $196,000 |
| Not Provided | 46 | $13,480,000 | $293,000 | $415,000 | $110,000 | $381,000 |
| Hispanic | 5 | $1,375,000 | $275,000 | $385,000 | $191,000 | $256,000 |
| Not applicable | 4 | $760,000 | $190,000 | $555,000 | $0 | $0 |
| Asian | 3 | $1,055,000 | $351,000 | $545,000 | $207,000 | $333,000 |
| Black or African American | 1 | $285,000 | $285,000 | $285,000 | $59,000 | $59,000 |
| 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) | 110 | $30,610,000 | $278,000 | $555,000 | $137,000 | $402,000 |
| FHA-insured (Federal Housing Administration) | 71 | $20,435,000 | $287,000 | $465,000 | $104,000 | $259,000 |
| VA-guaranteed (Veterans Administration) | 21 | $6,665,000 | $317,000 | $495,000 | $96,000 | $146,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $2,965,000 | $329,000 | $495,000 | $96,000 | $150,000 |
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 | 92 | $27,370,000 | $297,000 | $555,000 | $125,000 | $402,000 |
| Loan Purchased By The Institution | 64 | $19,470,000 | $304,000 | $545,000 | $123,000 | $402,000 |
| Application Withdrawn By Applicant | 20 | $6,070,000 | $303,000 | $545,000 | $99,000 | $269,000 |
| Application Denied By Financial Institution | 19 | $3,905,000 | $205,000 | $475,000 | $117,000 | $214,000 |
| File Closed For Incompleteness | 8 | $1,930,000 | $241,000 | $345,000 | $163,000 | $259,000 |
| Application Approved But Not Accepted | 7 | $1,575,000 | $225,000 | $385,000 | $102,000 | $134,000 |
| Preapproval Denied by Financial Institution | 1 | $355,000 | $355,000 | $355,000 | $146,000 | $146,000 |
| Preapproval Approved but not Accepted | 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 | 191 | $56,415,000 | $295,000 | $555,000 | $122,000 | $402,000 |
| Credit History | 7 | $1,255,000 | $179,000 | $475,000 | $110,000 | $214,000 |
| Collateral | 4 | $610,000 | $152,000 | $355,000 | $140,000 | $192,000 |
| Other | 4 | $900,000 | $225,000 | $335,000 | $93,000 | $195,000 |
| Credit Application Incomplete | 2 | $670,000 | $335,000 | $395,000 | $117,000 | $117,000 |
| Debt-To-Income Ratio | 1 | $25,000 | $25,000 | $25,000 | $206,000 | $206,000 |
| Unverifiable Information | 1 | $385,000 | $385,000 | $385,000 | $78,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $415,000 | $415,000 | $415,000 | $129,000 | $129,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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