Fairbanks, AK Metro Area Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 5,634 mortgage applications in Fairbanks, AK metro area totaling $1.1 billion, up 29% from 2011. The average application was for $190,914, and applicants reported an average income of $82,000. 61% of applications resulted in an originated loan and 11% were denied. The most active lender was Wells Fargo Bank NA, with 1,270 applications, followed by Alaska USA Mortgage Co., LLC and Mt McKinley Bank.
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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 |
| Total Number of Mortgage Applications | 5,634 |
| Total Mortgage Loan Application Amount | $1,075,613,000 |
| Average Mortgage Loan Application Amount | $190,914 |
| Highest Mortgage Loan Application Amount | $2,200,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $5,280,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 1,270 | $ 255,020,000 |
| Alaska USA Mortgage Co., LLC PO BOX 196850 ANCHORAGE, AK 99519 |
* | $ 1,485,079,000 | 863 | $ 166,758,000 |
| Mt McKinley Bank PO BOX 73880 FAIRBANKS, AK 99707 |
* | $ 306,681,000 | 619 | $ 111,112,000 |
| Denali State Bank 119 N. CUSHMAN ST. FAIRBANKS, AK 99701 |
* | $ 260,714,000 | 469 | $ 80,857,000 |
| Residential Mortgage, LLC 100 CALAIS DRIVE, SUITE 100 ANCHORAGE, AK 99503 |
* | $ 106,268,000 | 441 | $ 97,458,000 |
| Spirit of Alaska Federal Credit Union 1417 GILLAM WAY FAIRBANKS, AK 99701 |
* | $ 125,645,000 | 414 | $ 66,375,000 |
| First National Bank Alaska 101 W 36TH AVE, STE 305 ANCHORAGE, AK 99501 |
* | $ 2,870,340,000 | 161 | $ 31,607,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 117 | $ 25,059,000 |
| Northrim Bank 3111 C STREET ANCHORAGE, AK 99503 |
* | $ 1,079,217,000 | 90 | $ 20,509,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 86,198,836,000 | 80 | $ 10,786,000 |
| Credit Union 1 1941 ABBOTT RD ANCHORAGE, AK 99507 |
* | $ 787,832,000 | 72 | $ 8,889,000 |
| Global Federal Credit Union PO BOX 196850 ANCHORAGE, AK 99503 |
* | $ 4,686,877,000 | 66 | $ 1,717,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 63 | $ 14,062,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 59 | $ 10,581,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 54 | $ 13,486,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 50 | $ 9,958,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 46 | $ 10,316,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 44 | $ 6,785,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 33 | $ 7,526,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 33 | $ 8,325,000 |
| True North Federal Credit Union 2777 POSTAL WAY JUNEAU, AK 99801 |
* | $ 112,723,000 | 31 | $ 5,221,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 29 | $ 4,409,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 28 | $ 5,743,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 27 | $ 6,126,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 26 | $ 5,593,000 |
| Mac Federal Credit Union 541 10TH AVE FAIRBANKS, AK 99701 |
* | $ 86,093,000 | 19 | $ 1,408,000 |
| Denali Federal Credit Union 471 WS. 36TH AVENUE SUITE 110 ANCHORAGE, AK 99503 |
* | $ 460,601,000 | 19 | $ 3,223,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 808,645,000 | 17 | $ 3,122,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 17 | $ 4,557,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 17 | $ 3,782,000 |
| West Town Bank & Trust 7820 W 26TH STREET NORTH RIVERSIDE, IL 60546 |
* | $ 131,079,000 | 16 | $ 3,716,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 15 | $ 2,524,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 619,450,000 | 12 | $ 3,596,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,179,394,000 | 9 | $ 2,082,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 9 | $ 2,057,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 9 | $ 1,749,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 8 | $ 1,690,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 8 | $ 1,980,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,184,743,000 | 7 | $ 1,833,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 7 | $ 1,307,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 7 | $ 1,165,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 6 | $ 1,396,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 4 | $ 1,170,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 4 | $ 731,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 4 | $ 568,000 |
| Texas Star Bank SSB 101 GASSAWAY LOTT, TX 76656 |
* | $ 75,989,000 | 4 | $ 812,000 |
| First National Bank of Layton 1601 N. HILLFIELD ROAD LAYTON, UT 84041 |
* | $ 255,171,000 | 3 | $ 976,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 3 | $ 62,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 3 | $ 346,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 3 | $ 690,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 3 | $ 611,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 3 | $ 851,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 3 | $ 583,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 782,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 2 | $ 408,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 2 | $ 443,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 451,000 |
| Ing Bank, FSB / Capital One 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 92,212,498,000 | 2 | $ 280,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 2 | $ 62,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 2 | $ 233,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 2 | $ 628,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 2 | $ 361,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 2 | $ 265,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 546,918,000 | 2 | $ 278,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 2 | $ 353,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 2 | $ 336,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 2,304,426,000 | 1 | $ 150,000 |
| Stonebridge Bank 903 WASHINGTON AVE S MINNEAPOLIS, MN 55415 |
* | $ 109,548,000 | 1 | $ 165,000 |
| First Choice Bank 669 WHITEHEAD ROAD LAWRENCEVILLE, NJ 08648 |
* | $ 669,292,000 | 1 | $ 266,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 477,611,000 | 1 | $ 433,000 |
| Grand Bank, National Association 2297 HWY 33 HAMILTON, NJ 08690 |
* | $ 341,507,000 | 1 | $ 198,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 584,153,000 | 1 | $ 348,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 3,393,499,000 | 1 | $ 136,000 |
| Peoples National Bank 5175 N ACADEMY BLVD COLORADO SPRINGS, CO 80918 |
* | $ 196,611,000 | 1 | $ 226,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,283,070,000 | 1 | $ 245,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 4,231,076,000 | 1 | $ 200,000 |
| Sterling Savings Bank 111 N WALL ST SPOKANE, WA 99201 |
* | $ 9,207,809,000 | 1 | $ 83,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ 870,105,000 | 1 | $ 25,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 374,787,000 | 1 | $ 193,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 152,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 110,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 1 | $ 342,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 1 | $ 196,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 1 | $ 266,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 263,000 |
| Northwest Mortage Group, Inc. 10260 SW GREENBURG ROAD STE 900 PORTLAND, OR 97223 |
* | $ 87,749,000 | 1 | $ 175,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ 39,000,000 | 1 | $ 283,000 |
The tables below break down 2012 mortgage applications in Fairbanks, AK metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Fairbanks, AK in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 3,504 | $668,194,000 | $190,000 | $2,200,000 | $79,000 | $1,992,000 |
| Home Purchase | 1,824 | $382,820,000 | $209,000 | $576,000 | $82,000 | $780,000 |
| Home Improvement | 306 | $24,599,000 | $80,000 | $372,000 | $109,000 | $5,280,000 |
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 |
|---|---|---|---|---|---|---|
| White | 4,209 | $797,644,000 | $189,000 | $627,000 | $87,000 | $1,992,000 |
| Not Provided | 521 | $99,074,000 | $190,000 | $458,000 | $87,000 | $1,209,000 |
| Not applicable | 303 | $68,720,000 | $226,000 | $2,200,000 | $3,000 | $154,000 |
| American Indian or Alaskan Native | 227 | $37,358,000 | $164,000 | $387,000 | $98,000 | $5,280,000 |
| Black or African American | 126 | $23,895,000 | $189,000 | $450,000 | $69,000 | $1,440,000 |
| Hispanic | 120 | $23,609,000 | $196,000 | $480,000 | $73,000 | $591,000 |
| Asian | 101 | $20,278,000 | $200,000 | $517,000 | $69,000 | $256,000 |
| Native Hawaiian or Other Pacific Islander | 27 | $5,035,000 | $186,000 | $320,000 | $95,000 | $252,000 |
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) | 3,178 | $539,198,000 | $169,000 | $2,200,000 | $106,000 | $5,280,000 |
| VA-guaranteed (Veterans Administration) | 1,618 | $378,898,000 | $234,000 | $542,000 | $46,000 | $251,000 |
| FHA-insured (Federal Housing Administration) | 778 | $146,212,000 | $187,000 | $395,000 | $64,000 | $289,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 60 | $11,305,000 | $188,000 | $321,000 | $51,000 | $117,000 |
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 | 3,426 | $658,062,000 | $192,000 | $1,900,000 | $89,000 | $1,992,000 |
| Loan Purchased By The Institution | 759 | $168,146,000 | $221,000 | $579,000 | $40,000 | $260,000 |
| Application Denied By Financial Institution | 616 | $98,200,000 | $159,000 | $463,000 | $92,000 | $5,280,000 |
| Application Withdrawn By Applicant | 514 | $92,625,000 | $180,000 | $2,200,000 | $88,000 | $1,209,000 |
| Application Approved But Not Accepted | 164 | $30,349,000 | $185,000 | $455,000 | $88,000 | $617,000 |
| File Closed For Incompleteness | 155 | $28,231,000 | $182,000 | $517,000 | $75,000 | $445,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 153 | $19,507,000 | $127,000 | $377,000 | $108,000 | $5,280,000 |
| Debt-To-Income Ratio | 101 | $16,039,000 | $158,000 | $450,000 | $69,000 | $537,000 |
| Collateral | 84 | $15,172,000 | $180,000 | $360,000 | $112,000 | $599,000 |
| Credit Application Incomplete | 67 | $13,265,000 | $197,000 | $402,000 | $75,000 | $240,000 |
| Other | 55 | $6,362,000 | $115,000 | $386,000 | $82,000 | $317,000 |
| Unverifiable Information | 14 | $2,751,000 | $196,000 | $364,000 | $279,000 | $1,440,000 |
| Employment History | 10 | $1,472,000 | $147,000 | $280,000 | $57,000 | $127,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,003,000 | $143,000 | $217,000 | $70,000 | $145,000 |
| Mortgage Insurance Denied | 3 | $585,000 | $195,000 | $234,000 | $84,000 | $90,000 |
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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