Alaska Mortgage Lending in 2025
Explore residential mortgage lending activity in Alaska using official HMDA public records. Review underwriting credit decisions, borrower demographics, regional metro markets, and the most active lenders.
Credit Decision Outcomes (2025)
Outcomes for 10,005 actionable applications (Actions 1, 2, and 3).
How Alaska Compares
Key metrics: Alaska vs. U.S. (2025)
| Metric | Alaska | U.S. |
|---|---|---|
| Actionable Apps | 10,005 | 5,197,320 |
| Approval Rate | 87.84% | 82.12% |
| Denial Rate | 12.16% | 17.88% |
| Originations | 8,470 | 4,052,301 |
| Originated Volume | $3.29 Billion | $1.58 Trillion |
| Median Loan | $365,000 | $325,000 |
Lending Trends in Alaska
Year-over-year shifts: 2025 vs. 2024
| Metric | 2024 | 2025 | Change |
|---|---|---|---|
| Consumer Universe | 11,710 | 12,916 | +10.30% |
| Actionable Apps | 9,200 | 10,005 | +8.75% |
| Originations | 7,764 | 8,470 | +9.09% |
| Approval Rate | 87.74% | 87.84% | +0.10 pp |
| Denial Rate | 12.26% | 12.16% | -0.10 pp |
| Median Loan | $355,000 | $365,000 | +2.82% |
| Dollar Volume | $2.91 Billion | $3.29 Billion | +12.85% |
Applications by Borrower Income (Alaska)
Approval and denial rates across gross annual income tiers (2025)
| Income Bracket | Apps | Approval % | Denial % |
|---|---|---|---|
| $100k–$149,999 | 2,820 | 91.28% | 8.72% |
| $150k+ | 2,883 | 92.16% | 7.84% |
| $50k–$99,999 | 2,955 | 86.26% | 13.74% |
| <$50k | 434 | 58.76% | 41.24% |
| Income unavailable/entity | 913 | 82.48% | 17.52% |
Metropolitan Areas in Alaska
Top metropolitan areas ranked by total actionable applications
| Metropolitan Area | Apps | Originations | Approval % |
|---|---|---|---|
| Anchorage | 6,687 | 5,709 | 88.53% |
| Fairbanks-College | 1,302 | 1,088 | 87.02% |
Top Mortgage Lenders by Action 1 Originations
Institutions ranked strictly by total originated loans in Alaska (2025)
| Rank | Lending Institution | Originations | Approval % |
|---|---|---|---|
| 1 | Residential Mortgage, LLC | 1,316 | 95.12% |
| 2 | Global Federal Credit Union | 1,036 | 93.62% |
| 3 | NEWREZ LLC | 918 | 95.94% |
| 4 | ROCKET MORTGAGE | 448 | 81.49% |
| 5 | Mortgage Research Center | 443 | 80.11% |
| 6 | United Wholesale Mortgage | 358 | 87.80% |
| 7 | The Loan Store, Inc | 259 | 96.86% |
| 8 | CORNERSTONE CAPITAL BANK, SSB | 222 | 99.55% |
| 9 | PRIMELENDING | 206 | 95.74% |
| 10 | MOVEMENT MORTGAGE, LLC | 192 | 96.97% |
Methodology
Learn how HMDA credit outcomes, action codes, and consumer filters are computed.
Read Methodology →State Directory
Compare mortgage lending patterns and approval rates across the 54 reporting states and territories.
View State Directory →Download Data
Export official Alaska mortgage data for research, journalism, or analysis.