Southeast Fairbanks, AK Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 206 mortgage applications in Southeast Fairbanks, AK totaling $31.6 million, down 25% from 2007. The average application was for $153,000, and applicants reported an average income of $68,000. 44% of applications resulted in an originated loan and 20% were denied. The most active lender was Wells Fargo Bank, NA, with 58 applications, followed by Mt McKinley Bank and Countrywide Bank FSB.
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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 | 206 |
| Total Mortgage Loan Application Amount | $31,586,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $180,000 |
| 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 | 58 | $ 7,567,000 |
| Mt McKinley Bank PO BOX 73880 FAIRBANKS, AK 99707 |
* | $ 260,831,000 | 32 | $ 4,390,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 19 | $ 3,201,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 8 | $ 1,472,000 |
| Alaska USA Mortgage Co., LLC PO BOX 196850 ANCHORAGE, AK 99519 |
* | $ 1,485,079,000 | 8 | $ 1,289,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 8 | $ 1,306,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 7 | $ 1,217,000 |
| Wells Fargo Fin'l Alaska, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 7 | $ 495,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 1,074,000 |
| Spirit of Alaska Federal Credit Union 1417 GILLAM WAY FAIRBANKS, AK 99701 |
* | $ 94,992,000 | 6 | $ 1,085,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 5 | $ 911,000 |
| First National Bank Alaska 101 W 36TH AVE, STE 305 ANCHORAGE, AK 99501 |
* | $ 2,309,832,000 | 4 | $ 533,000 |
| Residential Mortgage, LLC 100 CALAIS DRIVE ANCHORAGE, AK 99515 |
* | $ 10,000,000 | 4 | $ 1,030,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 4 | $ 710,000 |
| Credit Union 1 1941 ABBOTT RD ANCHORAGE, AK 99507 |
* | $ 540,992,000 | 3 | $ 376,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 2 | $ 385,000 |
| Legacy Mortgage 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 2 | $ 437,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 2 | $ 505,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Amtec Funding Group, Llc. 3330 HARBOR BOULEVARD COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 110,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 164,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 1 | $ 219,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 41,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 363,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 180,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 1 | $ 136,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 1 | $ 36,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 95,861,810,000 | 1 | $ 140,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 1 | $ 186,000 |
The tables below break down 2008 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 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 91 | $15,283,000 | $167,000 | $320,000 | $63,000 | $164,000 |
| Refinancing | 85 | $14,014,000 | $164,000 | $400,000 | $73,000 | $180,000 |
| Home Improvement | 30 | $2,289,000 | $76,000 | $315,000 | $70,000 | $180,000 |
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 | 154 | $23,675,000 | $153,000 | $400,000 | $76,000 | $180,000 |
| Not Provided | 20 | $2,630,000 | $131,000 | $315,000 | $69,000 | $129,000 |
| Not applicable | 19 | $3,180,000 | $167,000 | $248,000 | $10,000 | $85,000 |
| American Indian or Alaskan Native | 6 | $717,000 | $119,000 | $260,000 | $62,000 | $124,000 |
| Hispanic | 5 | $1,062,000 | $212,000 | $277,000 | $62,000 | $89,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $180,000 | $180,000 | $180,000 | $57,000 | $57,000 |
| Black or African American | 1 | $142,000 | $142,000 | $142,000 | $59,000 | $59,000 |
| 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) | 162 | $22,918,000 | $141,000 | $400,000 | $68,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 31 | $6,296,000 | $203,000 | $306,000 | $61,000 | $164,000 |
| FHA-insured (Federal Housing Administration) | 13 | $2,372,000 | $182,000 | $271,000 | $80,000 | $124,000 |
| 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 | 91 | $14,869,000 | $163,000 | $325,000 | $76,000 | $180,000 |
| Application Denied By Financial Institution | 42 | $5,194,000 | $123,000 | $363,000 | $63,000 | $157,000 |
| Loan Purchased By The Institution | 36 | $6,463,000 | $179,000 | $315,000 | $41,000 | $131,000 |
| Application Withdrawn By Applicant | 21 | $3,178,000 | $151,000 | $400,000 | $83,000 | $164,000 |
| File Closed For Incompleteness | 8 | $580,000 | $72,000 | $140,000 | $87,000 | $180,000 |
| Application Approved But Not Accepted | 8 | $1,302,000 | $162,000 | $269,000 | $71,000 | $116,000 |
| 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 | 17 | $2,336,000 | $137,000 | $320,000 | $81,000 | $157,000 |
| Credit History | 10 | $1,047,000 | $104,000 | $202,000 | $59,000 | $98,000 |
| Debt-To-Income Ratio | 7 | $796,000 | $113,000 | $231,000 | $38,000 | $95,000 |
| Credit Application Incomplete | 2 | $331,000 | $165,000 | $181,000 | $57,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $66,000 | $66,000 | $66,000 | $42,000 | $42,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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