Applications / Mortgage Analytics / Lenders / Alaska / Denali State Bank
Fairbanks, AK · State non-member bank · FDIC · $513 million assets · 118 loans in 2025
Denali State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
118
loans originated, 2025
165
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Denali State Bank ranks 6 of 83 lenders in Fairbanks, and it makes far more government-backed home loans than most banks its size.
FHA loans (insured by the Federal Housing Administration) were 9.3% of its lending and VA loans (guaranteed by the Department of Veterans Affairs) 7.6%. That is higher than at nearly all similar lenders (state non-member banks making between half and twice as many loans), most of which made none. Purchases made up 70.3% of its loans, and its typical loan was $255,000, against $175,000 at similar lenders.
In Fairbanks-College it held 5.8% of the market, down from 6.5%; Newrez led. Its loan count rose, but its typical loan fell from $275,000, so the dollars it lent grew less than its count. That may explain part of the slip, and faster growth among rivals the rest.
Its loans rose 16%, from 102 to 118, against 9% at similar lenders and 10% for the market as a whole. It made 348 loans in 2020 and 322 in 2021, and between 102 and 237 a year since 2022.
Low- and moderate-income (LMI) borrowers took 23.9% of its loans, against 27.9% at similar lenders, a little below the middle. Its lending is concentrated in 4 counties of Alaska, with a very small share in Anchorage.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Denali State Bank took 165 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.3% · Refinance 16.9% · Home improvement 7.6% · Other 5.1%
Conventional 83.1% · FHA 9.3% · VA 7.6% · of 118 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Alaska | 118 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fairbanks-College | 107 |
| Anchorage | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003OSI5CD032EN89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 571265 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326530 | 2004–2017 |
Established 3 February 1986. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Denali State Bank's data.
Denali State Bank's data
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Denali State Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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