Northwest Arctic, AK Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 47 mortgage applications in Northwest Arctic, AK totaling $11.2 million, down 37% from 2021. The average application was for $238,000, and applicants reported an average income of $101,000. 38% of applications resulted in an originated loan and 23% were denied. The most active lender was Alaska USA Mortgage Company LLC, with 8 applications, followed by Wells Fargo Bank NA 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 | 47 |
| Total Mortgage Loan Application Amount | $11,205,000 |
| Average Mortgage Loan Application Amount | $238,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $101,000 |
| Highest Applicant Income | $240,000 |
Top Mortgage Lenders in Northwest Arctic, AK (2022)
Ranked by the number of mortgage applications each lender reported in Northwest Arctic, AK in 2022.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Alaska USA Mortgage Company LLC Anchorage, AK |
8 | $2,240,000 | $280,000 | $117,000 |
| 2 | Wells Fargo Bank NA Minneapolis, MN |
8 | $1,290,000 | $161,000 | $90,000 |
| 3 | Global Federal Credit Union Anchorage, AK |
6 | $1,630,000 | $271,000 | $80,000 |
| 4 | Residential Mortgage, LLC Anchorage, AK |
4 | $900,000 | $225,000 | $92,000 |
| 5 | Finance of America Mortgage LLC Wilmington, DE |
2 | $590,000 | $295,000 | $240,000 |
| 6 | loanDepot.com LLC Irvine, CA |
2 | $170,000 | $85,000 | $22,000 |
| 7 | Amerisave Mortgage Company Sandy Springs, GA |
1 | $475,000 | $475,000 | $107,000 |
| 8 | First National Bank Alaska Anchorage, AK |
1 | $175,000 | $175,000 | $110,000 |
| 9 | Academy Mortgage Corporation Salt Lake City, UT |
1 | $285,000 | $285,000 | $154,000 |
| 10 | JPMorgan Chase Bank, NA Columbus, OH |
1 | $185,000 | $185,000 | $104,000 |
The tables below break down 2022 mortgage applications in Northwest Arctic, AK by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Northwest Arctic, 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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 20 | $4,440,000 | $222,000 | $505,000 | $94,000 | $175,000 |
| Home Purchase | 18 | $5,370,000 | $298,000 | $435,000 | $142,000 | $240,000 |
| Refinancing | 4 | $940,000 | $235,000 | $455,000 | $40,000 | $68,000 |
| Other Purpose | 3 | $325,000 | $108,000 | $155,000 | $35,000 | $62,000 |
| Home Improvement | 2 | $130,000 | $65,000 | $85,000 | $98,000 | $98,000 |
| 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 |
|---|---|---|---|---|---|---|
| American Indian or Alaskan Native | 30 | $7,280,000 | $242,000 | $505,000 | $108,000 | $240,000 |
| Not Provided | 6 | $980,000 | $163,000 | $435,000 | $82,000 | $194,000 |
| White | 5 | $1,155,000 | $231,000 | $305,000 | $93,000 | $141,000 |
| Not applicable | 5 | $1,715,000 | $343,000 | $435,000 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 36 | $7,990,000 | $221,000 | $435,000 | $105,000 | $240,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,980,000 | $247,000 | $455,000 | $74,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 2 | $980,000 | $490,000 | $505,000 | $100,000 | $107,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $255,000 | $255,000 | $255,000 | $167,000 | $167,000 |
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 | 18 | $4,630,000 | $257,000 | $475,000 | $126,000 | $240,000 |
| Application Denied By Financial Institution | 11 | $1,685,000 | $153,000 | $335,000 | $81,000 | $167,000 |
| Application Withdrawn By Applicant | 8 | $1,650,000 | $206,000 | $335,000 | $89,000 | $240,000 |
| Loan Purchased By The Institution | 5 | $1,715,000 | $343,000 | $435,000 | $0 | $0 |
| File Closed For Incompleteness | 3 | $865,000 | $288,000 | $505,000 | $73,000 | $94,000 |
| Application Approved But Not Accepted | 2 | $660,000 | $330,000 | $455,000 | $79,000 | $158,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 36 | $9,520,000 | $264,000 | $505,000 | $108,000 | $240,000 |
| Collateral | 4 | $720,000 | $180,000 | $265,000 | $110,000 | $167,000 |
| Credit History | 3 | $485,000 | $161,000 | $335,000 | $53,000 | $68,000 |
| Unverifiable Information | 2 | $310,000 | $155,000 | $205,000 | $82,000 | $113,000 |
| Debt-To-Income Ratio | 1 | $85,000 | $85,000 | $85,000 | $98,000 | $98,000 |
| Credit Application Incomplete | 1 | $85,000 | $85,000 | $85,000 | $26,000 | $26,000 |
| Other | 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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