Skagway Municipality
Alaska · FIPS 02230
According to CFPB HMDA 2024 application volume among U.S. counties, Skagway Municipality ranks #3,153 of 3,223, and #22 of 30 in Alaska.
Mortgage lending activity in Skagway Municipality, Alaska based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Skagway Municipality, Alaska lenders denied 5 of the applications reported here, financing the rest at an average note rate of 6.99%, with applicants self-reporting average annual income of $39K. 6 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 8.2x, meaning typical borrowers took on mortgages of about 8.2 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Skagway Municipality
In Skagway Municipality, lead originator Rocket Mortgage funded 30.0% of 10 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 70.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Skagway Municipality's 20 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Skagway Municipality's $318,500 average loan (deduped against volume peers).
Lenders active in Skagway Municipality
Rocket Mortgage funded 3 of the 10 loans originated in Skagway Municipality, 30.0% of the county. 6 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 3 | 30.0% |
| 2 | Cornerstone Capital Bank, SSB | 3 | 30.0% |
| 3 | Mortgage Research Center | 1 | 10.0% |
| 4 | Global Federal Credit Union | 1 | 10.0% |
| 5 | Synergy One Lending, INC. | 1 | 10.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Skagway Municipality, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Skagway Municipality borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.