Fairbanks-College Mortgage Lending in 2025

Explore mortgage lending activity in Fairbanks-College (MSA/MD Code 21820) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.

Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Dataset: 2025 Snapshot National Loan-Level Dataset • Updated: June 2, 2026 • Methodology →
Metropolitan Area 21820
1,088 Loans Originated
• Primary State: Alaska (AK)
• $369.97 Million Originated Volume
• $335,000 Median Loan
Actionable Applications 1,302 +9.69% vs 2024
Approval Rate 87.02% +0.25 pp vs 2024
Denial Rate 12.98% -0.25 pp vs 2024
Loan Originations 1,088 +9.46% vs 2024
Originated Volume $369.97 Million +18.07% vs 2024

Credit Decision Outcomes (2025)

Outcomes for 1,302 actionable applications (Actions 1, 2, and 3).

87.02%
12.98%
1,133 approved 169 denied
Action 1: Originated
1,088 (83.56%)
Action 2: Approved not accepted
45 (3.46%)
Action 3: Denied
169 (12.98%)
Action 4: Withdrawn (not in denominator)
305 —
Action 5: Incomplete (not in denominator)
67 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How Fairbanks-College Compares

Metro vs. State Baseline (2025)

Metric Fairbanks-College Alaska
Actionable Apps 1,302 10,005
Approval Rate 87.02% 87.84%
Denial Rate 12.98% 12.16%
Originations 1,088 8,470
Originated Volume $369.97 Million $3.29 Billion
Median Loan $335,000 $365,000
Compared against Alaska statewide baseline in 2025.

Lending Trends in Fairbanks-College

Year-over-year shifts: 2025 vs. 2024

Metric 2024 2025 Change
Consumer Universe 1,494 1,674 +12.05%
Actionable Apps 1,187 1,302 +9.69%
Originations 994 1,088 +9.46%
Approval Rate 86.77% 87.02% +0.25 pp
Denial Rate 13.23% 12.98% -0.25 pp
Median Loan $315,000 $335,000 +6.35%
Dollar Volume $313.34 Million $369.97 Million +18.07%

Applications by Borrower Income (Fairbanks-College)

Approval and denial rates across gross annual income tiers (2025)

Income Bracket Apps Approval % Denial %
$100k–$149,999 390 92.31% 7.69%
$150k+ 310 92.26% 7.74%
$50k–$99,999 387 85.53% 14.47%
<$50k 44 56.82% 43.18%
Income unavailable/entity 171 76.61% 23.39%
Gross annual borrower income relied upon during credit underwriting. Descriptive figures only; does not establish causation.

Geographic Market Context

Regional integration within Alaska (2025)

Official Geographic Designation: Metropolitan Statistical Area / Division 21820, anchored in Alaska (AK).
Metro Share of State Apps 13.01%
Metro Share of State Volume 11.25%
Geographic Notice: OpenFileData reports verified OMB-designated metropolitan boundaries. Detailed county-level vector choropleths are omitted unless authoritative polygon geometries and county-level consumer records are officially available, preventing data fabrication.

Parent State Association

Explore Alaska statewide mortgage activity

Fairbanks-College is part of OpenFileData’s statewide coverage of Alaska. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.

Alaska Statewide Overview Active Profile
Statewide Actionable Applications: 10,005
Explore Alaska State Profile →

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

Alaska Profile

Compare all metropolitan areas located in Alaska.

View State Page →

Download Data

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.