Alaska USA Mortgage Company, L Mortgage Lending & HMDA Data, 2005
In 2005, Alaska USA Mortgage Company, L of Anchorage, AK reported 3,799 mortgage applications totaling $690.9 million, down 11% from 2004. The average application was for $181,853, and applicants reported an average income of $70,280. 71% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Anchorage, AK (2,038), Fairbanks, AK (331) and Seattle-Bellevue-Everett, WA (77) (applications in parentheses).
| Mortgage Company & Address | Alaska USA Mortgage Company, L P.O. Box 196850 Anchorage, AK 99519 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,799 |
| Total Mortgage Loan Application Amount | $690,861,000 |
| Average Mortgage Loan Application Amount | $181,853 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $70,280 |
| Highest Applicant Income | $2,510,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Alaska USA Mortgage Company, L filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Anchorage, Alaska | 1,589 | $ 308,511,000 | $ 194,154 | $ 67,000 |
| Kenai Peninsula, Alaska | 649 | $ 100,502,000 | $ 154,856 | $ 65,000 |
| Matanuska-Susitna, Alaska | 451 | $ 78,507,000 | $ 174,073 | $ 80,000 |
| Fairbanks North Star, Alaska | 331 | $ 53,918,000 | $ 162,894 | $ 69,000 |
| Island, Washington | 272 | $ 53,413,000 | $ 196,371 | $ 65,000 |
| Juneau, Alaska | 202 | $ 40,439,000 | $ 200,193 | $ 63,000 |
| King, Washington | 61 | $ 14,516,000 | $ 237,967 | $ 77,000 |
| Bethel, Alaska | 30 | $ 5,355,000 | $ 178,500 | $ 82,000 |
| Skagit, Washington | 25 | $ 4,674,000 | $ 186,960 | $ 54,000 |
| Pierce, Washington | 22 | $ 5,146,000 | $ 233,909 | $ 77,000 |
| Ketchikan Gateway, Alaska | 18 | $ 2,559,000 | $ 142,166 | $ 59,000 |
| Kodiak Island, Alaska | 16 | $ 2,685,000 | $ 167,812 | $ 56,000 |
| Valdez-Cordova, Alaska | 16 | $ 2,515,000 | $ 157,187 | $ 72,000 |
| Snohomish, Washington | 16 | $ 3,115,000 | $ 194,687 | $ 76,000 |
| Southeast Fairbanks, Alaska | 15 | $ 1,922,000 | $ 128,133 | $ 69,000 |
| North Slope, Alaska | 11 | $ 1,789,000 | $ 162,636 | $ 81,000 |
| Nome, Alaska | 10 | $ 1,560,000 | $ 156,000 | $ 85,000 |
| Whatcom, Washington | 9 | $ 1,733,000 | $ 192,555 | $ 46,000 |
| Denali, Alaska | 7 | $ 924,000 | $ 132,000 | $ 84,000 |
| Spokane, Washington | 5 | $ 770,000 | $ 154,000 | $ 92,000 |
| Haines, Alaska | 4 | $ 432,000 | $ 108,000 | $ 46,000 |
| Yukon-Koyukuk, Alaska | 4 | $ 278,000 | $ 69,500 | $ 68,000 |
| Aleutians East, Alaska | 3 | $ 559,000 | $ 186,333 | $ 81,000 |
| Douglas, Washington | 3 | $ 649,000 | $ 216,333 | $ 93,000 |
| Grays Harbor, Washington | 3 | $ 337,000 | $ 112,333 | $ 70,000 |
| Kitsap, Washington | 3 | $ 499,000 | $ 166,333 | $ 54,000 |
| Thurston, Washington | 3 | $ 466,000 | $ 155,333 | $ 69,000 |
| Dillingham, Alaska | 2 | $ 282,000 | $ 141,000 | $ 103,000 |
| Skagway-Hoonah-Angoon, Alaska | 2 | $ 219,000 | $ 109,500 | $ 58,000 |
| Asotin, Washington | 2 | $ 136,000 | $ 68,000 | $ 110,000 |
| Clallam, Washington | 2 | $ 467,000 | $ 233,500 | $ 88,000 |
| Cowlitz, Washington | 2 | $ 131,000 | $ 65,500 | $ 41,000 |
| Jefferson, Washington | 2 | $ 362,000 | $ 181,000 | $ 102,000 |
| Aleutians West, Alaska | 1 | $ 249,000 | $ 249,000 | $ 99,000 |
| Sitka, Alaska | 1 | $ 140,000 | $ 140,000 | $ 74,000 |
| Wrangell-Petersburg, Alaska | 1 | $ 126,000 | $ 126,000 | $ 60,000 |
| Grant, Washington | 1 | $ 128,000 | $ 128,000 | $ 69,000 |
| Klickitat, Washington | 1 | $ 214,000 | $ 214,000 | $ 75,000 |
| Mason, Washington | 1 | $ 54,000 | $ 54,000 | $ 30,000 |
| Pend Oreille, Washington | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Yakima, Washington | 1 | $ 183,000 | $ 183,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Alaska USA Mortgage Company, L in 2005
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 | 2,104 | $396,686,000 | $192,500 | $620,000 | $74,500 | $2,510,000 |
| Refinancing | 1,695 | $294,175,000 | $186,500 | $800,000 | $64,000 | $706,000 |
| Home Improvement | 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 | 3,046 | $555,786,000 | $187,500 | $700,000 | $70,500 | $2,510,000 |
| Not Provided | 174 | $30,357,000 | $193,000 | $600,000 | $74,000 | $527,000 |
| American Indian or Alaskan Native | 171 | $26,545,000 | $150,000 | $489,000 | $54,500 | $286,000 |
| Asian | 166 | $29,688,000 | $183,000 | $388,000 | $53,000 | $213,000 |
| Hispanic | 113 | $21,817,000 | $210,500 | $373,000 | $79,000 | $246,000 |
| Black or African American | 103 | $21,593,000 | $214,000 | $800,000 | $70,000 | $170,000 |
| Native Hawaiian or Other Pacific Islander | 26 | $5,075,000 | $206,000 | $320,000 | $73,000 | $130,000 |
| Not applicable | 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) | 2,917 | $516,169,000 | $184,500 | $800,000 | $75,000 | $2,510,000 |
| VA-guaranteed (Veterans Administration) | 580 | $124,329,000 | $213,000 | $500,000 | $60,000 | $191,000 |
| FHA-insured (Federal Housing Administration) | 267 | $44,885,000 | $176,500 | $362,000 | $66,500 | $293,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $5,478,000 | $179,000 | $283,000 | $58,500 | $102,000 |
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 | 2,716 | $495,078,000 | $188,000 | $700,000 | $68,500 | $745,000 |
| Application Denied By Financial Institution | 663 | $118,499,000 | $190,500 | $800,000 | $67,500 | $2,510,000 |
| Application Withdrawn By Applicant | 420 | $77,284,000 | $194,500 | $539,000 | $73,500 | $706,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Application Incomplete | 569 | $101,535,000 | $169,000 | $800,000 | $64,500 | $2,510,000 |
| Credit History | 43 | $7,699,000 | $201,500 | $400,000 | $68,000 | $182,000 |
| Debt-To-Income Ratio | 24 | $4,978,000 | $239,000 | $405,000 | $62,000 | $189,000 |
| Collateral | 12 | $1,837,000 | $140,500 | $387,000 | $86,000 | $138,000 |
| Other | 12 | $2,015,000 | $167,000 | $269,000 | $80,000 | $210,000 |
| Employment History | 2 | $275,000 | $137,000 | $154,000 | $20,000 | $41,000 |
| Mortgage Insurance Denied | 1 | $160,000 | $160,000 | $160,000 | $83,000 | $83,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Alaska USA Mortgage Company, L's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Alaska USA Mortgage Company, L's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Alaska, download the full spreadsheet
with aggregated HMDA statistics today.
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