Southeast Fairbanks, AK Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 166 mortgage applications in Southeast Fairbanks, AK totaling $30.1 million, about the same as 2009. The average application was for $181,000, and applicants reported an average income of $61,000. 46% of applications resulted in an originated loan and 22% were denied. The most active lender was Wells Fargo Bank, NA, with 42 applications, followed by Alaska USA Mortgage Co., LLC and USAA Federal Savings 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 | 166 |
| Total Mortgage Loan Application Amount | $30,056,000 |
| Average Mortgage Loan Application Amount | $181,000 |
| Highest Mortgage Loan Application Amount | $490,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $220,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 42 | $ 6,655,000 |
| Alaska USA Mortgage Co., LLC PO BOX 196850 ANCHORAGE, AK 99519 |
* | $ 1,485,079,000 | 29 | $ 4,914,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 16 | $ 3,596,000 |
| Mt McKinley Bank PO BOX 73880 FAIRBANKS, AK 99707 |
* | $ 282,846,000 | 15 | $ 2,349,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 13 | $ 2,145,000 |
| Spirit of Alaska Federal Credit Union 1417 GILLAM WAY FAIRBANKS, AK 99701 |
* | $ 106,556,000 | 6 | $ 1,229,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 1,148,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 6 | $ 1,378,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 567,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 3 | $ 574,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 3 | $ 466,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 473,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 314,000 |
| First National Bank Alaska 101 W 36TH AVE, STE 305 ANCHORAGE, AK 99501 |
* | $ 2,651,980,000 | 2 | $ 425,000 |
| Residential Mortgage, LLC 100 CALAIS DRIVE ANCHORAGE, AK 99515 |
* | $ 10,000,000 | 2 | $ 289,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 2 | $ 473,000 |
| Credit Union 1 1941 ABBOTT RD ANCHORAGE, AK 99507 |
* | $ 703,509,000 | 1 | $ 44,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 708,191,000 | 1 | $ 304,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,379,910,000 | 1 | $ 194,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 204,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 265,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 274,000 |
| Denali Federal Credit Union 471 WS. 36TH AVENUE SUITE 110 ANCHORAGE, AK 99503 |
* | $ 516,904,000 | 1 | $ 209,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 1 | $ 307,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 90,179,122,000 | 1 | $ 490,000 |
| Air Academy Federal Credit Union 9810 N UNION BLVD COLORADO SPRINGS, CO 80924 |
* | $ 476,088,000 | 1 | $ 48,000 |
The tables below break down 2010 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 2010
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 | 84 | $15,083,000 | $179,000 | $490,000 | $65,000 | $187,000 |
| Home Purchase | 71 | $13,764,000 | $193,000 | $327,000 | $61,000 | $220,000 |
| Home Improvement | 11 | $1,209,000 | $109,000 | $258,000 | $36,000 | $77,000 |
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 | 130 | $23,172,000 | $178,000 | $490,000 | $68,000 | $220,000 |
| Not Provided | 15 | $2,729,000 | $181,000 | $304,000 | $67,000 | $187,000 |
| Not applicable | 13 | $2,791,000 | $214,000 | $271,000 | $0 | $0 |
| Hispanic | 4 | $654,000 | $163,000 | $223,000 | $73,000 | $105,000 |
| American Indian or Alaskan Native | 3 | $445,000 | $148,000 | $307,000 | $23,000 | $71,000 |
| Black or African American | 1 | $265,000 | $265,000 | $265,000 | $0 | $0 |
| Asian | 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) | 70 | $11,423,000 | $163,000 | $490,000 | $80,000 | $220,000 |
| VA-guaranteed (Veterans Administration) | 56 | $11,842,000 | $211,000 | $327,000 | $38,000 | $141,000 |
| FHA-insured (Federal Housing Administration) | 37 | $6,239,000 | $168,000 | $307,000 | $60,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $552,000 | $184,000 | $218,000 | $58,000 | $66,000 |
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 | 76 | $13,498,000 | $177,000 | $327,000 | $65,000 | $187,000 |
| Application Denied By Financial Institution | 36 | $6,549,000 | $181,000 | $490,000 | $65,000 | $220,000 |
| Loan Purchased By The Institution | 24 | $4,898,000 | $204,000 | $304,000 | $37,000 | $187,000 |
| Application Withdrawn By Applicant | 19 | $2,727,000 | $143,000 | $272,000 | $59,000 | $122,000 |
| Application Approved But Not Accepted | 9 | $1,850,000 | $205,000 | $309,000 | $71,000 | $141,000 |
| File Closed For Incompleteness | 2 | $534,000 | $267,000 | $338,000 | $132,000 | $152,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 9 | $1,688,000 | $187,000 | $490,000 | $35,000 | $106,000 |
| Collateral | 8 | $1,528,000 | $191,000 | $248,000 | $87,000 | $220,000 |
| Credit History | 8 | $1,099,000 | $137,000 | $338,000 | $56,000 | $192,000 |
| Other | 4 | $764,000 | $191,000 | $240,000 | $88,000 | $104,000 |
| Credit Application Incomplete | 3 | $630,000 | $210,000 | $308,000 | $87,000 | $132,000 |
| Unverifiable Information | 1 | $222,000 | $222,000 | $222,000 | $96,000 | $96,000 |
| Employment History | 1 | $195,000 | $195,000 | $195,000 | $51,000 | $51,000 |
| 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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