Denali, AK Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 50 mortgage applications in Denali, AK totaling $12.3 million, down 28% from 2021. The average application was for $245,000, and applicants reported an average income of $117,000. 50% of applications resulted in an originated loan and 4% were denied. The most active lender was First National Bank Alaska, with 9 applications, followed by Alaska USA Mortgage Company LLC and Global Federal Credit Union.
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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 | 50 |
| Total Mortgage Loan Application Amount | $12,260,000 |
| Average Mortgage Loan Application Amount | $245,000 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $117,000 |
| Highest Applicant Income | $269,000 |
| 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 |
* | $ 5,581,340,000 | 9 | $ 2,595,000 |
| Alaska USA Mortgage Company LLC 4000 CREDIT UNION DRIVE, STE. 700 ANCHORAGE, AK 99503 |
* | $ -1,000 | 8 | $ 1,840,000 |
| Global Federal Credit Union PO BOX 196850 ANCHORAGE, AK 99503 |
* | $ 10,716,065,000 | 8 | $ 1,730,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 1,055,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 2 | $ 210,000 |
| Credit Union 1 1941 ABBOTT RD ANCHORAGE, AK 99507 |
* | $ 1,468,975,000 | 2 | $ 810,000 |
| Spirit of Alaska Federal Credit Union 1417 GILLAM WAY FAIRBANKS, AK 99701 |
* | $ 198,377,000 | 2 | $ 370,000 |
| Mt McKinley Bank PO BOX 73880 FAIRBANKS, AK 99707 |
* | $ 644,517,000 | 2 | $ 370,000 |
| Denali State Bank 119 N. CUSHMAN ST. FAIRBANKS, AK 99701 |
* | $ 470,847,000 | 2 | $ 590,000 |
| Nuvision Federal Credit Union 7812 EDINGER AVENUE HUNTINGTON BEACH, CA 92677 |
* | $ 2,815,394,000 | 1 | $ 115,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 405,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 135,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 305,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 125,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 1 | $ 205,000 |
| Willamette Valley Bank 101 HIGH ST NE SALEM, OR 97301 |
* | $ 407,850,000 | 1 | $ 395,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 1 | $ 395,000 |
| Matanuska Valley Federal Credit Union 1020 SOUTH BAILEY STREET PALMER, AK 99645 |
* | $ 771,759,000 | 1 | $ 65,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 95,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 225,000 |
The tables below break down 2022 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 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 | 33 | $8,585,000 | $260,000 | $425,000 | $114,000 | $269,000 |
| Cash-out Refinancing | 8 | $1,820,000 | $227,000 | $455,000 | $138,000 | $175,000 |
| Refinancing | 5 | $1,305,000 | $261,000 | $375,000 | $113,000 | $226,000 |
| Home Improvement | 3 | $475,000 | $158,000 | $265,000 | $98,000 | $123,000 |
| Other Purpose | 1 | $75,000 | $75,000 | $75,000 | $82,000 | $82,000 |
| 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 | 33 | $7,835,000 | $237,000 | $455,000 | $121,000 | $269,000 |
| Not Provided | 8 | $2,310,000 | $288,000 | $395,000 | $94,000 | $123,000 |
| Not applicable | 7 | $1,655,000 | $236,000 | $315,000 | $0 | $0 |
| Black or African American | 1 | $75,000 | $75,000 | $75,000 | $82,000 | $82,000 |
| Hispanic | 1 | $385,000 | $385,000 | $385,000 | $190,000 | $190,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 40 | $9,840,000 | $246,000 | $455,000 | $117,000 | $269,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,950,000 | $243,000 | $385,000 | $116,000 | $190,000 |
| FHA-insured (Federal Housing Administration) | 2 | $470,000 | $235,000 | $235,000 | $110,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $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 | 25 | $6,175,000 | $247,000 | $405,000 | $109,000 | $226,000 |
| Application Withdrawn By Applicant | 11 | $2,665,000 | $242,000 | $425,000 | $141,000 | $269,000 |
| Loan Purchased By The Institution | 8 | $2,050,000 | $256,000 | $395,000 | $84,000 | $84,000 |
| Application Approved But Not Accepted | 2 | $790,000 | $395,000 | $455,000 | $144,000 | $149,000 |
| Application Denied By Financial Institution | 2 | $410,000 | $205,000 | $225,000 | $81,000 | $113,000 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $121,000 | $121,000 |
| Preapproval Approved but not Accepted | 1 | $65,000 | $65,000 | $65,000 | $93,000 | $93,000 |
| 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 | 42 | $10,520,000 | $250,000 | $455,000 | $118,000 | $269,000 |
| Debt-To-Income Ratio | 6 | $1,330,000 | $221,000 | $325,000 | $122,000 | $226,000 |
| Other | 1 | $225,000 | $225,000 | $225,000 | $50,000 | $50,000 |
| Collateral | 1 | $185,000 | $185,000 | $185,000 | $113,000 | $113,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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