Denali, AK Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 72 mortgage applications in Denali, AK totaling $12.9 million, up 22% from 2019. The average application was for $178,000, and applicants reported an average income of $194,000. 53% of applications resulted in an originated loan and 11% were denied. The most active lender was First National Bank Alaska, with 21 applications, followed by Global Federal Credit Union and Alaska USA Mortgage Company LLC.
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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 | 72 |
| Total Mortgage Loan Application Amount | $12,850,000 |
| Average Mortgage Loan Application Amount | $178,000 |
| Highest Mortgage Loan Application Amount | $535,000 |
| Average Applicant Income | $194,000 |
| Highest Applicant Income | $5,520,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First National Bank Alaska 101 W 36TH AVE, STE 305 ANCHORAGE, AK 99501 |
* | $ 3,808,254,000 | 21 | $ 4,235,000 |
| Global Federal Credit Union PO BOX 196850 ANCHORAGE, AK 99503 |
* | $ 8,335,689,000 | 9 | $ 1,585,000 |
| Alaska USA Mortgage Company LLC 4000 CREDIT UNION DRIVE, STE. 700 ANCHORAGE, AK 99503 |
* | $ -1,000 | 7 | $ 1,515,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 143,390,269,000 | 5 | $ 165,000 |
| Denali State Bank 119 N. CUSHMAN ST. FAIRBANKS, AK 99701 |
* | $ 295,885,000 | 4 | $ 890,000 |
| Mt McKinley Bank PO BOX 73880 FAIRBANKS, AK 99707 |
* | $ 467,386,000 | 4 | $ 770,000 |
| Nuvision Federal Credit Union 7812 EDINGER AVENUE HUNTINGTON BEACH, CA 92677 |
* | $ 2,369,587,000 | 3 | $ 395,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 2 | $ 360,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 450,000 |
| Spirit of Alaska Federal Credit Union 1417 GILLAM WAY FAIRBANKS, AK 99701 |
* | $ 159,141,000 | 2 | $ 430,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 83,036,000,000 | 1 | $ 225,000 |
| Residential Mortgage, LLC 100 CALAIS DRIVE, SUITE 100 ANCHORAGE, AK 99503 |
* | $ -1,000 | 1 | $ 175,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 275,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 1 | $ 95,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 1 | $ 95,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 1 | $ 85,000 |
| Credit Union 1 1941 ABBOTT RD ANCHORAGE, AK 99507 |
* | $ 1,090,014,000 | 1 | $ 185,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 195,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 1 | $ 105,000 |
The tables below break down 2020 mortgage applications in Denali, AK by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Denali, 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 | 28 | $5,240,000 | $187,000 | $335,000 | $110,000 | $191,000 |
| Refinancing | 24 | $5,090,000 | $212,000 | $535,000 | $415,000 | $5,520,000 |
| Cash-out Refinancing | 11 | $2,005,000 | $182,000 | $275,000 | $115,000 | $246,000 |
| Other Purpose | 6 | $270,000 | $45,000 | $105,000 | $105,000 | $130,000 |
| Home Improvement | 3 | $245,000 | $81,000 | $145,000 | $82,000 | $125,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 63 | $10,675,000 | $169,000 | $335,000 | $205,000 | $5,520,000 |
| Not Provided | 6 | $1,280,000 | $213,000 | $305,000 | $120,000 | $216,000 |
| Not applicable | 1 | $535,000 | $535,000 | $535,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $145,000 | $145,000 | $145,000 | $42,000 | $42,000 |
| Hispanic | 1 | $215,000 | $215,000 | $215,000 | $123,000 | $123,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 59 | $10,035,000 | $170,000 | $535,000 | $204,000 | $5,520,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,750,000 | $218,000 | $275,000 | $139,000 | $161,000 |
| FHA-insured (Federal Housing Administration) | 3 | $455,000 | $151,000 | $265,000 | $113,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $610,000 | $305,000 | $305,000 | $100,000 | $100,000 |
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 | 38 | $7,370,000 | $193,000 | $535,000 | $99,000 | $246,000 |
| Application Withdrawn By Applicant | 14 | $2,110,000 | $150,000 | $255,000 | $517,000 | $5,520,000 |
| Application Denied By Financial Institution | 8 | $940,000 | $117,000 | $265,000 | $123,000 | $191,000 |
| Loan Purchased By The Institution | 7 | $1,515,000 | $216,000 | $305,000 | $117,000 | $174,000 |
| Application Approved But Not Accepted | 3 | $495,000 | $165,000 | $225,000 | $103,000 | $121,000 |
| File Closed For Incompleteness | 2 | $420,000 | $210,000 | $265,000 | $124,000 | $124,000 |
| 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 | 55 | $9,925,000 | $180,000 | $535,000 | $215,000 | $5,520,000 |
| Debt-To-Income Ratio | 10 | $2,090,000 | $209,000 | $335,000 | $134,000 | $246,000 |
| Other | 2 | $70,000 | $35,000 | $45,000 | $110,000 | $110,000 |
| Collateral | 2 | $290,000 | $145,000 | $265,000 | $138,000 | $191,000 |
| Credit Application Incomplete | 2 | $370,000 | $185,000 | $235,000 | $142,000 | $142,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $90,000 | $90,000 |
| Credit History | 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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