Applications / Mortgage Analytics / Lenders / Alaska / Spirit of Alaska Federal Credit Union
Fairbanks, AK · Credit union · NCUA · $200 million assets · 35 loans in 2025
Spirit of Alaska Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
35
loans originated, 2025
101
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Spirit of Alaska Federal Credit Union is a small Fairbanks lender that mostly refinances, and it made 35 loans in 2025.
Similar lenders here are credit unions making between half and twice as many loans. Refinances made up 71.4% of Spirit of Alaska's loans and purchases 17.1%. Its typical loan, $185,000, is about double the typical peer's $95,000 and larger than at more than four in five peers.
Its loans fell 10% in 2025, from 39 to 35, while the typical peer's were unchanged. Its lending peaked at 83 loans in 2020 and dropped to 23 in 2023 before recovering a little; a lender that mostly refinances may see its volume rise and fall with rates more than most. With so few loans, a handful either way moves every share a lot, so most of its figures say little on their own.
Fairbanks-College is its main market. It has lent there since 2004 and ranks 19 of 83 lenders. Its share fell from 1.5% to 1.0%. That may reflect its own small fall in loans, or rivals lending more; Newrez leads the market, followed by Global Federal Credit Union.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Spirit of Alaska Federal Credit Union took 101 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 71.4% · Purchase 17.1% · Home improvement 5.7% · Other 5.7%
Conventional 97.1% · VA 2.9% · of 35 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 | 33 | 94.3% |
| Minnesota | 1 | 2.9% |
| Nevada | 1 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fairbanks-College | 30 |
| Las Vegas-Henderson-North Las Vegas | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930047C62INWFYCF40 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 234588 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 513583 | 2004–2017 |
Established 1 January 1960. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Spirit of Alaska Federal Credit Union's data.
Spirit of Alaska Federal Credit Union's data
$215
Spirit of Alaska Federal Credit Union 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.
Buy Spirit of Alaska Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]