Southeast Fairbanks, AK Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 252 mortgage applications in Southeast Fairbanks, AK totaling $22.2 million, up 32% from 2003. The average application was for $88,000, and applicants reported an average income of $67,000. 40% of applications resulted in an originated loan and 29% were denied. The most active lender was Wells Fargo Bank, NA, with 60 applications, followed by Wells Fargo Fin'l Alaska, Inc and Denali State Bank.
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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 | 252 |
| Total Mortgage Loan Application Amount | $22,187,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $229,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $425,000 |
| 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 |
* | $ 250,474,000,000 | 60 | $ 4,496,000 |
| Wells Fargo Fin'l Alaska, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 29 | $ 1,489,000 |
| Denali State Bank 119 N. CUSHMAN ST. FAIRBANKS, AK 99701 |
* | $ 185,893,000 | 25 | $ 1,552,000 |
| Mt McKinley Bank PO BOX 73880 FAIRBANKS, AK 99707 |
* | $ 198,023,000 | 14 | $ 2,014,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 14 | $ 1,361,000 |
| Alaska USA Mortgage Company, L P.O. BOX 196850 ANCHORAGE, AK 99519 |
* | $ 1,485,079,000 | 10 | $ 863,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 8 | $ 879,000 |
| First National Bank Alaska 101 W 36TH AVE, STE 305 ANCHORAGE, AK 99501 |
* | $ 2,200,677,000 | 7 | $ 730,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 7 | $ 611,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 6 | $ 397,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 13,189,979,000 | 5 | $ 550,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 5 | $ 582,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 5 | $ 588,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 572,000 |
| Global Federal Credit Union PO BOX 196850 ANCHORAGE, AK 99503 |
* | $ 2,367,912,000 | 3 | $ 59,000 |
| Citimortgage, Inc. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 3 | $ 335,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 318,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 195,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 2 | $ 185,000 |
| Acoustic Home Loans, LLC 770 THE CITY DRIVE SOUTH, SUITE 1500 ORANGE, CA 92868 |
* | $ 336,792,793,000 | 2 | $ 165,000 |
| Best Rate Funding Corp 2 MAC ARTHUR PLACE, STE. 800 SANTA ANA, CA 92707 |
* | $ 10,000,000 | 2 | $ 177,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 347,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 2 | $ 256,000 |
| Bank of Blue Valley 11935 RILEY OVERLAND PARK, KS 66213 |
* | $ 611,144,000 | 2 | $ 247,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 2 | $ 206,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 2 | $ 289,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 165,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 74,320,522,000 | 2 | $ 102,000 |
| Credit Union 1 1941 ABBOTT RD ANCHORAGE, AK 99507 |
* | $ 458,320,000 | 2 | $ 105,000 |
| Downey Savings and Loan 3501 JAMBOREE ROAD NEWPORT BEACH, CA 92660 |
* | $ 11,637,674,000 | 2 | $ 278,000 |
| Eastern Savings Bank, FSB EXEC PLAZA II - 11350 MCCORMICK RD HUNT VALLEY, MD 21031 |
* | $ 692,701,000 | 1 | $ 175,000 |
| People's Choice Financial Corp 7515 IRVINE CENTER DR. IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 208,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 1 | $ 158,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 12,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 7,855,191,000 | 1 | $ 25,000 |
| Fremont Investment & Loan 2727 E. IMPERIAL HIGHWAY BREA, CA 92821 |
* | $ 9,333,614,000 | 1 | $ 176,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 40,000 |
| E*Trade Bank 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 20,288,424,000 | 1 | $ 90,000 |
| Capitalone 15000 CAPITAL ONE DR RICHMOND, VA 23238 |
* | $ 12,581,787,000 | 1 | $ 65,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 11,298,870,000 | 1 | $ 85,000 |
| Homestate Mortgage Company, Ll 3801 CENTERPOINT DRIVE #100 ANCHORAGE, AK 99503 |
* | $ 57,607,000 | 1 | $ 171,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 1 | $ 80,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 13,721,232,000 | 1 | $ 84,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 1 | $ 185,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 145,000 |
| Corestar Financial Group, LLC 1966 GREENSPRING DRIVE, SUITE 610 TIMONIUM, MD 21093 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Merrill Lynch Credit Corp. 4802 DEER LAKE DRIVE EAST BLDG 3 JACKSONVILLE, FL 32246 |
* | $ 31,000,000 | 1 | $ 152,000 |
The tables below break down 2004 mortgage applications in Southeast Fairbanks, AK by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Southeast Fairbanks, AK in 2004
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 | 117 | $10,304,000 | $88,000 | $220,000 | $66,000 | $425,000 |
| Home Purchase | 81 | $9,821,000 | $121,000 | $229,000 | $74,000 | $238,000 |
| Home Improvement | 54 | $2,062,000 | $38,000 | $158,000 | $52,000 | $120,000 |
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 | 187 | $16,110,000 | $86,000 | $229,000 | $70,000 | $425,000 |
| Not Provided | 43 | $4,117,000 | $95,000 | $220,000 | $68,000 | $129,000 |
| American Indian or Alaskan Native | 12 | $919,000 | $76,000 | $194,000 | $53,000 | $82,000 |
| Not applicable | 6 | $634,000 | $105,000 | $160,000 | $7,000 | $38,000 |
| Hispanic | 3 | $327,000 | $109,000 | $162,000 | $70,000 | $72,000 |
| Black or African American | 1 | $80,000 | $80,000 | $80,000 | $87,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 230 | $19,320,000 | $84,000 | $220,000 | $65,000 | $425,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,863,000 | $169,000 | $229,000 | $101,000 | $238,000 |
| FHA-insured (Federal Housing Administration) | 9 | $675,000 | $75,000 | $161,000 | $49,000 | $112,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $329,000 | $164,000 | $171,000 | $65,000 | $70,000 |
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 | 101 | $9,536,000 | $94,000 | $229,000 | $75,000 | $425,000 |
| Application Denied By Financial Institution | 73 | $4,820,000 | $66,000 | $208,000 | $62,000 | $176,000 |
| Application Withdrawn By Applicant | 45 | $4,304,000 | $95,000 | $226,000 | $69,000 | $238,000 |
| Application Approved But Not Accepted | 17 | $1,868,000 | $109,000 | $208,000 | $64,000 | $110,000 |
| Loan Purchased By The Institution | 13 | $1,417,000 | $109,000 | $161,000 | $35,000 | $94,000 |
| File Closed For Incompleteness | 3 | $242,000 | $80,000 | $175,000 | $82,000 | $120,000 |
| 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 | 25 | $1,623,000 | $64,000 | $195,000 | $66,000 | $130,000 |
| Collateral | 10 | $706,000 | $70,000 | $208,000 | $72,000 | $99,000 |
| Debt-To-Income Ratio | 7 | $295,000 | $42,000 | $100,000 | $46,000 | $66,000 |
| Credit Application Incomplete | 4 | $382,000 | $95,000 | $145,000 | $54,000 | $75,000 |
| Other | 4 | $309,000 | $77,000 | $128,000 | $43,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $90,000 | $90,000 | $90,000 | $54,000 | $54,000 |
| 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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