Yukon-Koyukuk, AK Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 106 mortgage applications in Yukon-Koyukuk, AK totaling $102.4 million, up 165% from 2021. The average application was for $966,000, and applicants reported an average income of $70,000. 13% of applications resulted in an originated loan and 69% were denied. The most active lender was Southstate Bank, National Association, with 80 applications, followed by Global Federal Credit Union and Alaska USA Mortgage Company LLC.
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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 | 106 |
| Total Mortgage Loan Application Amount | $102,430,000 |
| Average Mortgage Loan Application Amount | $966,000 |
| Highest Mortgage Loan Application Amount | $47,505,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $312,000 |
Top Mortgage Lenders in Yukon-Koyukuk, AK (2022)
Ranked by the number of mortgage applications each lender reported in Yukon-Koyukuk, AK in 2022.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Southstate Bank, National Association Winter Haven, FL |
80 | $98,600,000 | $1,232,000 | $67,000 |
| 2 | Global Federal Credit Union Anchorage, AK |
7 | $535,000 | $76,000 | $31,000 |
| 3 | Alaska USA Mortgage Company LLC Anchorage, AK |
4 | $390,000 | $97,000 | $114,000 |
| 4 | Denali State Bank Fairbanks, AK |
3 | $575,000 | $191,000 | $75,000 |
| 5 | Residential Mortgage, LLC Anchorage, AK |
2 | $170,000 | $85,000 | $92,000 |
| 6 | Spirit of Alaska Federal Credit Union Fairbanks, AK |
2 | $260,000 | $130,000 | $116,000 |
| 7 | American Financing Corporation Aurora, CO |
1 | $355,000 | $355,000 | $44,000 |
| 8 | Midfirst Bank Oklahoma City, OK |
1 | $105,000 | $105,000 | $0 |
| 9 | Amerisave Mortgage Company Sandy Springs, GA |
1 | $345,000 | $345,000 | $227,000 |
| 10 | Bank of England England, AR |
1 | $465,000 | $465,000 | $112,000 |
The tables below break down 2022 mortgage applications in Yukon-Koyukuk, AK by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Yukon-Koyukuk, 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 95 | $100,675,000 | $1,059,000 | $47,505,000 | $71,000 | $312,000 |
| Cash-out Refinancing | 4 | $640,000 | $160,000 | $465,000 | $50,000 | $112,000 |
| Refinancing | 3 | $765,000 | $255,000 | $355,000 | $100,000 | $186,000 |
| Home Improvement | 2 | $230,000 | $115,000 | $155,000 | $57,000 | $95,000 |
| Not Applicable | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
| Other Purpose | 1 | $15,000 | $15,000 | $15,000 | $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 |
|---|---|---|---|---|---|---|
| White | 55 | $8,305,000 | $151,000 | $395,000 | $74,000 | $312,000 |
| Black or African American | 20 | $2,790,000 | $139,000 | $265,000 | $60,000 | $240,000 |
| Not Provided | 12 | $1,680,000 | $140,000 | $345,000 | $85,000 | $227,000 |
| American Indian or Alaskan Native | 10 | $1,190,000 | $119,000 | $465,000 | $58,000 | $112,000 |
| Not applicable | 7 | $88,175,000 | $12,596,000 | $47,505,000 | $0 | $0 |
| Hispanic | 1 | $165,000 | $165,000 | $165,000 | $67,000 | $67,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $125,000 | $125,000 | $125,000 | $46,000 | $46,000 |
| 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) | 98 | $100,970,000 | $1,030,000 | $47,505,000 | $69,000 | $312,000 |
| FHA-insured (Federal Housing Administration) | 4 | $640,000 | $160,000 | $345,000 | $155,000 | $227,000 |
| VA-guaranteed (Veterans Administration) | 4 | $820,000 | $205,000 | $355,000 | $49,000 | $59,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 73 | $10,285,000 | $140,000 | $355,000 | $61,000 | $240,000 |
| Loan Originated | 14 | $89,360,000 | $6,382,000 | $47,505,000 | $97,000 | $186,000 |
| Application Approved But Not Accepted | 12 | $1,310,000 | $109,000 | $185,000 | $89,000 | $312,000 |
| Application Withdrawn By Applicant | 3 | $945,000 | $315,000 | $465,000 | $116,000 | $190,000 |
| Loan Purchased By The Institution | 3 | $305,000 | $101,000 | $105,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 1 | $225,000 | $225,000 | $225,000 | $67,000 | $67,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 41 | $5,895,000 | $143,000 | $265,000 | $50,000 | $186,000 |
| Not applicable | 28 | $91,310,000 | $3,261,000 | $47,505,000 | $95,000 | $312,000 |
| Credit History | 22 | $3,060,000 | $139,000 | $355,000 | $73,000 | $194,000 |
| Employment History | 13 | $1,665,000 | $128,000 | $165,000 | $65,000 | $240,000 |
| Credit Application Incomplete | 2 | $500,000 | $250,000 | $345,000 | $216,000 | $227,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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