North Slope, AK Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 120 mortgage applications in North Slope, AK totaling $12.8 million, down 11% from 2007. The average application was for $106,000, and applicants reported an average income of $80,000. 25% of applications resulted in an originated loan and 39% were denied. The most active lender was Wells Fargo Bank, NA, with 55 applications, followed by Wells Fargo Fin'l Alaska, Inc and Alaska USA Mortgage Co., 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 | 120 |
| Total Mortgage Loan Application Amount | $12,790,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $230,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $199,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 55 | $ 5,924,000 |
| Wells Fargo Fin'l Alaska, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 25 | $ 1,702,000 |
| Alaska USA Mortgage Co., LLC PO BOX 196850 ANCHORAGE, AK 99519 |
* | $ 1,485,079,000 | 11 | $ 1,658,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 444,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 3 | $ 359,000 |
| Residential Mortgage, LLC 100 CALAIS DRIVE ANCHORAGE, AK 99515 |
* | $ 10,000,000 | 3 | $ 582,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 3 | $ 278,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 2 | $ 341,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 2 | $ 180,000 |
| Global Federal Credit Union PO BOX 196850 ANCHORAGE, AK 99503 |
* | $ 3,570,433,000 | 2 | $ 50,000 |
| Matanuska Valley Federal Credit Union 1020 SOUTH BAILEY STREET PALMER, AK 99645 |
* | $ 245,453,000 | 1 | $ 108,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 202,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 176,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 64,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 1 | $ 202,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 1 | $ 88,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 1 | $ 190,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 11,000,000 | 1 | $ 13,000 |
The tables below break down 2008 mortgage applications in North Slope, AK by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for North Slope, AK in 2008
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 | 51 | $4,948,000 | $97,000 | $228,000 | $85,000 | $199,000 |
| Home Purchase | 42 | $6,647,000 | $158,000 | $230,000 | $85,000 | $191,000 |
| Home Improvement | 27 | $1,195,000 | $44,000 | $180,000 | $64,000 | $179,000 |
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 |
|---|---|---|---|---|---|---|
| American Indian or Alaskan Native | 61 | $5,763,000 | $94,000 | $229,000 | $83,000 | $199,000 |
| White | 30 | $3,724,000 | $124,000 | $230,000 | $83,000 | $179,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $979,000 | $97,000 | $190,000 | $63,000 | $118,000 |
| Asian | 7 | $1,110,000 | $158,000 | $198,000 | $89,000 | $98,000 |
| Not Provided | 5 | $558,000 | $111,000 | $202,000 | $78,000 | $128,000 |
| Not applicable | 3 | $247,000 | $82,000 | $133,000 | $0 | $0 |
| Black or African American | 2 | $122,000 | $61,000 | $112,000 | $111,000 | $182,000 |
| Hispanic | 2 | $287,000 | $143,000 | $202,000 | $105,000 | $134,000 |
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) | 98 | $9,375,000 | $95,000 | $230,000 | $79,000 | $199,000 |
| FHA-insured (Federal Housing Administration) | 21 | $3,250,000 | $154,000 | $229,000 | $86,000 | $191,000 |
| VA-guaranteed (Veterans Administration) | 1 | $165,000 | $165,000 | $165,000 | $150,000 | $150,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 47 | $4,555,000 | $96,000 | $216,000 | $76,000 | $190,000 |
| Loan Originated | 30 | $3,856,000 | $128,000 | $230,000 | $96,000 | $199,000 |
| Application Withdrawn By Applicant | 28 | $2,903,000 | $103,000 | $229,000 | $79,000 | $191,000 |
| Application Approved But Not Accepted | 7 | $730,000 | $104,000 | $202,000 | $81,000 | $149,000 |
| File Closed For Incompleteness | 4 | $300,000 | $75,000 | $130,000 | $70,000 | $99,000 |
| Loan Purchased By The Institution | 4 | $446,000 | $111,000 | $202,000 | $33,000 | $134,000 |
| 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 | 13 | $920,000 | $70,000 | $180,000 | $69,000 | $150,000 |
| Collateral | 6 | $895,000 | $149,000 | $200,000 | $82,000 | $102,000 |
| Other | 5 | $549,000 | $109,000 | $158,000 | $70,000 | $91,000 |
| Unverifiable Information | 2 | $263,000 | $131,000 | $168,000 | $91,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $339,000 | $169,000 | $176,000 | $77,000 | $77,000 |
| Debt-To-Income Ratio | 2 | $260,000 | $130,000 | $190,000 | $44,000 | $51,000 |
| Credit Application Incomplete | 1 | $216,000 | $216,000 | $216,000 | $119,000 | $119,000 |
| Employment History | 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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