North Slope, AK Mortgage Lenders & HMDA Data, 2006
In 2006, lenders reported 149 mortgage applications in North Slope, AK totaling $14.5 million, down 16% from 2005. The average application was for $97,000, and applicants reported an average income of $74,000. 28% of applications resulted in an originated loan and 45% were denied. The most active lender was Wells Fargo Bank, NA, with 58 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 | 149 |
| Total Mortgage Loan Application Amount | $14,471,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $399,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $177,000 |
Top Mortgage Lenders in North Slope, AK (2006)
Ranked by the number of mortgage applications each lender reported in North Slope, AK in 2006.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank, NA Des Moines, IA |
58 | $4,998,000 | $86,000 | $78,000 |
| 2 | Wells Fargo Fin'l Alaska, Inc Des Moines, IA |
41 | $3,243,000 | $79,000 | $68,000 |
| 3 | Alaska USA Mortgage Co., LLC Anchorage, AK |
9 | $1,025,000 | $113,000 | $76,000 |
| 4 | Aurora Bank FSB New York, NY |
4 | $355,000 | $88,000 | $62,000 |
| 5 | Countrywide Home Loans Westlake Village, CA |
3 | $228,000 | $76,000 | $71,000 |
| 6 | First National Bank Alaska Anchorage, AK |
3 | $312,000 | $104,000 | $49,000 |
| 7 | First Residential Mortgage Louisville, KY |
3 | $494,000 | $164,000 | $107,000 |
| 8 | Long Beach Mortgage Co. Albion, NY |
2 | $235,000 | $117,000 | $65,000 |
| 9 | Saxon Mortgage Glen Allen, VA |
2 | $234,000 | $117,000 | $44,000 |
| 10 | Ameriquest Mortgage Company Orange, CA |
2 | $550,000 | $275,000 | $101,000 |
The tables below break down 2006 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 2006
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 | 75 | $8,353,000 | $111,000 | $399,000 | $78,000 | $177,000 |
| Home Purchase | 39 | $5,008,000 | $128,000 | $235,000 | $77,000 | $143,000 |
| Home Improvement | 35 | $1,110,000 | $31,000 | $130,000 | $60,000 | $145,000 |
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 | 73 | $5,733,000 | $78,000 | $235,000 | $68,000 | $163,000 |
| White | 32 | $3,870,000 | $120,000 | $268,000 | $87,000 | $177,000 |
| Not Provided | 28 | $3,156,000 | $112,000 | $399,000 | $85,000 | $177,000 |
| Asian | 7 | $740,000 | $105,000 | $235,000 | $41,000 | $107,000 |
| Not applicable | 3 | $214,000 | $71,000 | $100,000 | $21,000 | $65,000 |
| Black or African American | 2 | $389,000 | $194,000 | $210,000 | $90,000 | $101,000 |
| Hispanic | 2 | $107,000 | $53,000 | $66,000 | $84,000 | $122,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $262,000 | $131,000 | $172,000 | $96,000 | $113,000 |
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) | 139 | $13,184,000 | $94,000 | $399,000 | $74,000 | $177,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,088,000 | $120,000 | $179,000 | $74,000 | $115,000 |
| VA-guaranteed (Veterans Administration) | 1 | $199,000 | $199,000 | $199,000 | $108,000 | $108,000 |
| 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 | 67 | $5,995,000 | $89,000 | $399,000 | $72,000 | $177,000 |
| Loan Originated | 41 | $4,291,000 | $104,000 | $235,000 | $83,000 | $177,000 |
| Application Withdrawn By Applicant | 27 | $2,604,000 | $96,000 | $215,000 | $65,000 | $143,000 |
| Application Approved But Not Accepted | 7 | $928,000 | $132,000 | $220,000 | $74,000 | $163,000 |
| Loan Purchased By The Institution | 6 | $423,000 | $70,000 | $100,000 | $57,000 | $130,000 |
| File Closed For Incompleteness | 1 | $230,000 | $230,000 | $230,000 | $169,000 | $169,000 |
| 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 | 27 | $1,852,000 | $68,000 | $233,000 | $64,000 | $145,000 |
| Other | 5 | $878,000 | $175,000 | $399,000 | $105,000 | $177,000 |
| Collateral | 3 | $479,000 | $159,000 | $228,000 | $135,000 | $165,000 |
| Credit Application Incomplete | 1 | $124,000 | $124,000 | $124,000 | $47,000 | $47,000 |
| Debt-To-Income Ratio | 1 | $49,000 | $49,000 | $49,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $235,000 | $235,000 | $235,000 | $96,000 | $96,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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