Backed by 7 Years of Federal HMDA Data · Derek Huit · Huit.AI

Alaska Mortgage Data & Statistics

Authoritative Alaska mortgage data from 7 years of federal HMDA records (2017–2024). 142,000+ Alaska loan records analyzed. The most comprehensive Alaska mortgage data resource available.

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Derek Huit · Cardinal Financial · NMLS #203980 · Licensed AK · WA · MT
142,000+
Alaska Loans Analyzed
Source: HMDA 2017–2024
7 Years
Years of Data Coverage
Source: HMDA 2017–2024
200+
Active AK Mortgage Lenders
Source: NMLS 2025
DTI Ratio
Top Denial Reason
Source: HMDA 2024

About the HMDA Data Behind This Site

All statistics on AlaskaMortgageData.com are sourced from the federal Home Mortgage Disclosure Act (HMDA) dataset collected by the CFPB. Huit.AI has loaded and analyzed 7 years of HMDA records (2017–2024) for Alaska state code 02, covering 142,000+ origination records across all Alaska counties — including loan type, amount, action taken, denial reasons, census tract, and lender identifiers.

Alaska Mortgage Volume by Loan Type (2017–2024)

Conventional loans: ~51% of Alaska originations. VA loans: 24%. FHA: 18%. USDA rural: ~4%. Remaining 3%: other government programs. Alaska's VA share (24%) is nearly double the national average (12%), reflecting the disproportionately large military population relative to total housing market size.

Alaska Mortgage Denial Patterns

DTI is the leading denial reason (~38% of Alaska denials). Credit history: ~22%. Incomplete applications — often related to complex Alaska property documentation — ~15%. Appraisal issues are more common in Alaska than nationally, particularly for rural and remote properties.

Federal HMDA Data · Alaska · 2017–2024 · 142,000 Loans Analyzed

Alaska Mortgage Market at a Glance

24%
VA Loan Share
$395K
Avg Loan Amount
78%
Approval Rate
58%
Purchase Loans
18%
FHA Loan Share
51%
Conventional Share

Source: Federal HMDA 2017–2024, Alaska state code 02. Data analyzed by Huit.AI.

Alaska Mortgage Researcher — Frequently Asked Questions

Answers sourced from 18+ years of Alaska lending experience and federal HMDA data

What percentage of Alaska mortgages are VA loans?▼
Per 7 years of HMDA data (2017–2024) analyzed by Huit.AI, VA loans account for approximately 24% of all Alaska mortgage originations — one of the highest of any state. Driven by JBER, Fort Wainwright, Eielson AFB, and Coast Guard Kodiak.
What is the average mortgage loan amount in Alaska?▼
Based on HMDA data 2017–2024, the average Alaska mortgage is approximately $395,000 — well above the national average of ~$310,000, reflecting Alaska's high housing costs.
What is Alaska's overall mortgage approval rate?▼
Approximately 78% based on HMDA data — slightly below national average, partly due to Alaska's unique property types (rural, well/septic, manufactured housing) complicating underwriting.
What is the most common mortgage denial reason in Alaska?▼
Debt-to-income ratio (DTI) — cited in approximately 38% of Alaska denials. Credit history accounts for ~22%. Incomplete applications (often related to complex Alaska property types) ~15%.
Which Alaska counties have the highest mortgage volume?▼
Anchorage Municipality (~45%), Mat-Su Borough (~20%), Fairbanks North Star (~12%), Kenai Peninsula (~10%). These four areas account for ~87% of all Alaska mortgage volume.
How has Alaska's mortgage market changed 2017–2024?▼
Peaked in 2020–2021 (low-rate refi boom), then contracted in 2022–2024 as rates rose. Purchase loan share grew from 52% (2020) to 68% (2024). VA share has held above 22% throughout — the most durable demand driver.

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Derek Huit · Cardinal Financial · NMLS #203980 · Equal Housing Lender · Licensed AK · WA · MT