Mortgage Approval and Denial Rates in Alaska (2025 HMDA)
Mortgage denial rates in Alaska: lenders acted on 19,604 mortgage applications in Alaska in 2025 and denied 14.0% of them, down from 15.6% in 2024. The national denial rate was 17.7%.
Applications acted on
19,604
Loans originated
11,904
Denial rate
14.0%
Median loan
$305,000
Alaska against the national picture
Most-reported denial reason in Alaska: Debt-to-income ratio.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Ketchikan Gateway Borough | 260 | 18.1% | $325,000 |
| Sitka City and Borough | 104 | 16.3% | $400,000 |
| Chugach Census Area | 131 | 16.0% | $305,000 |
| Kenai Peninsula Borough | 1,860 | 15.5% | $255,000 |
| Juneau City and Borough | 814 | 14.9% | $315,000 |
| Anchorage Municipality | 7,945 | 13.7% | $315,000 |
| Southeast Fairbanks Census Area | 198 | 13.6% | $275,000 |
| Fairbanks North Star Borough | 2,680 | 13.3% | $285,000 |
| Matanuska-Susitna Borough | 4,782 | 13.0% | $325,000 |
| Kodiak Island Borough | 235 | 12.3% | $305,000 |
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.