Fourth in Fairbanks
It ranks 4 of 83 lenders in Fairbanks-College, AK, a market it entered in 2004. Its share rose to 8.1% from 6.6%. Newrez leads, with Global Federal Credit Union second. All its lending is in two counties in one state.
Applications / Mortgage Analytics / Lenders / Alaska / Mt. McKinley Bank
Mt. McKinley Bank
Fairbanks, AK · Savings institution · FDIC · $641 million assets · 143 loans in 2025
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143
loans originated, 2025
184
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mt. McKinley Bank is gaining ground in Fairbanks, where it now ranks fourth, and it makes government-backed loans that most similar lenders do not.
Government loans set it apart
FHA loans (insured by the Federal Housing Administration) were 9.1% of its lending and VA loans (guaranteed by the Department of Veterans Affairs) 3.5%. The typical similar lender (savings institutions making between half and twice as many loans) made none of either. It turned down 2.9% of first-lien home-purchase applications on owner-occupied homes, against 7.4% at similar lenders.
Back to growth
Its loans rose 10% to 143, against 6% at similar lenders. Its typical loan grew to $265,000 from $225,000, and purchases took 76.2% of its loans. Volume is still far below the 468 loans it made in 2020.
Few loans in poorer areas
Low- and moderate-income (LMI) areas took 10.5% of its loans, fewer than at about three in four similar lenders. Its share to LMI borrowers, 24.1%, was near the middle. Its lending is confined to two counties, which may simply hold few such areas.
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
143 loans in 2025, against a peak of 468 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mt. McKinley Bank took 184 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
76.2% of its 2025 loans were purchase loans; 87.4% were conventional loans.
Purchase 76.2% · Refinance 12.6% · Other 6.3% · Home improvement 4.9%
Conventional 87.4% · FHA 9.1% · VA 3.5% · of 143 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
1 state, 1 metro, 2 counties
| State | Loans | Share |
|---|---|---|
| Alaska | 143 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Fairbanks-College | 132 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490011JA7PP73YY190 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 542667 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319525 | 2004–2017 |
Established 3 December 1965. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Mt. McKinley Bank's data.
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