Prince of Wales-Outer Ketchikan, AK Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 95 mortgage applications in Prince of Wales-Outer Ketchikan, AK totaling $14.6 million, down 30% from 2007. The average application was for $153,000, and applicants reported an average income of $125,000. 33% of applications resulted in an originated loan and 27% were denied. The most active lender was Wells Fargo Bank, NA, with 40 applications, followed by Wells Fargo Fin'l Alaska, Inc and Countrywide Bank FSB.
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| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 95 |
| Total Mortgage Loan Application Amount | $14,591,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $125,000 |
| Highest Applicant Income | $979,000 |
| 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 | 40 | $ 7,048,000 |
| Wells Fargo Fin'l Alaska, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 15 | $ 1,808,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 8 | $ 1,111,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 6 | $ 778,000 |
| Credit Union 1 1941 ABBOTT RD ANCHORAGE, AK 99507 |
* | $ 540,992,000 | 3 | $ 331,000 |
| Alaska USA Mortgage Co., LLC PO BOX 196850 ANCHORAGE, AK 99519 |
* | $ 1,485,079,000 | 2 | $ 249,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 2 | $ 495,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 2 | $ 402,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 1 | $ 23,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 145,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 181,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 180,000 |
| American Mortgage Specialists 16100 N GREENWAY HAYDEN LOOP STE 108 SCOTTSDALE, AZ 85260 |
* | $ 38,791,000 | 1 | $ 220,000 |
| Wells Fargo Fin'l California 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 45,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 1 | $ 162,000 |
| Bank of Internet USA 12777 HIGH BLUFF DRIVE, SUITE 100 SAN DIEGO, CA 92130 |
* | $ 1,039,880,000 | 1 | $ 30,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 1 | $ 93,000 |
| Citi Residential Lending Inc. 153 EAST 53RD ST, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,121,487,000 | 1 | $ 173,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 1 | $ 146,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 124,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 1 | $ 124,000 |
The tables below break down 2008 mortgage applications in Prince of Wales-Outer Ketchikan, AK by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Prince of Wales-Outer Ketchikan, 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 | 57 | $9,616,000 | $168,000 | $585,000 | $155,000 | $979,000 |
| Home Purchase | 23 | $4,310,000 | $187,000 | $360,000 | $96,000 | $826,000 |
| Home Improvement | 15 | $665,000 | $44,000 | $140,000 | $53,000 | $114,000 |
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 | 50 | $7,799,000 | $155,000 | $449,000 | $94,000 | $826,000 |
| American Indian or Alaskan Native | 26 | $2,834,000 | $109,000 | $225,000 | $201,000 | $979,000 |
| Not Provided | 15 | $3,010,000 | $200,000 | $550,000 | $97,000 | $294,000 |
| Hispanic | 3 | $848,000 | $282,000 | $585,000 | $107,000 | $216,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $100,000 | $100,000 | $100,000 | $132,000 | $132,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 74 | $11,201,000 | $151,000 | $585,000 | $96,000 | $826,000 |
| FHA-insured (Federal Housing Administration) | 20 | $3,256,000 | $162,000 | $238,000 | $236,000 | $979,000 |
| VA-guaranteed (Veterans Administration) | 1 | $134,000 | $134,000 | $134,000 | $41,000 | $41,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 31 | $6,033,000 | $194,000 | $585,000 | $219,000 | $979,000 |
| Application Denied By Financial Institution | 26 | $3,072,000 | $118,000 | $449,000 | $58,000 | $132,000 |
| Application Withdrawn By Applicant | 18 | $2,439,000 | $135,000 | $550,000 | $113,000 | $696,000 |
| File Closed For Incompleteness | 10 | $1,233,000 | $123,000 | $360,000 | $59,000 | $125,000 |
| Application Approved But Not Accepted | 5 | $944,000 | $188,000 | $238,000 | $89,000 | $132,000 |
| Loan Purchased By The Institution | 5 | $870,000 | $174,000 | $264,000 | $96,000 | $294,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 7 | $917,000 | $131,000 | $193,000 | $85,000 | $132,000 |
| Credit History | 4 | $160,000 | $40,000 | $90,000 | $49,000 | $64,000 |
| Other | 4 | $780,000 | $195,000 | $449,000 | $57,000 | $99,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $183,000 | $183,000 | $183,000 | $23,000 | $23,000 |
| Debt-To-Income Ratio | 1 | $146,000 | $146,000 | $146,000 | $55,000 | $55,000 |
| Credit Application Incomplete | 1 | $53,000 | $53,000 | $53,000 | $49,000 | $49,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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