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2024 data HMDA 2024 disclosure official source

Kusilvak Census Area

5 mortgage applications, 60.0% denial rate. Verify FIPS 02158 with U.S. Census Bureau →

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Alaska · FIPS 02158

Local mortgage market. Kusilvak Census Area, Alaska saw 5 HMDA-reported mortgage applications in 2024. Lenders originated 0 of those loans and denied 3, producing a denial rate of 60.0% and an approval (origination) rate of 0.0%. The average loan amount was $105,000, with applicants self-reporting average annual income of $35K.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.0x, meaning typical borrowers took on mortgages of about 3.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 02158 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

5
Applications
0
Originated
60.0%
Denial Rate
0.0%
Approval Rate
$105,000
Avg Loan Amount
N/A
Avg Interest Rate
$35K
Avg Applicant Income
3.0x
Loan-to-Income Ratio

Frequently Asked Questions

How many mortgage applications were filed in Kusilvak Census Area?
In the 2024 HMDA reporting year, 5 mortgage applications were filed in Kusilvak Census Area, Alaska. Of these, 0 were originated (approved and funded), while 3 were denied, resulting in a denial rate of 60.0%.
What is the mortgage denial rate in Kusilvak Census Area?
The mortgage denial rate in Kusilvak Census Area is 60.0%. The approval (origination) rate is 0.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Kusilvak Census Area?
The average mortgage loan amount in Kusilvak Census Area is $105,000. The average applicant income is $35K.
What is the loan-to-income ratio in Kusilvak Census Area?
The average loan-to-income ratio in Kusilvak Census Area is 3.0x, meaning borrowers took on loans averaging 3.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.