Alaska Usa Federal Credit Union Mortgage Rates, Fees & Info
Anchorage, AKLEI: 549300DK7QID2ZON6Q55
Tax ID: 92-0019874
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Alaska Usa Federal Credit Union is a smaller credit union specializing in Home Purchase loans. Alaska Usa Federal Credit Union has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Anchorage, Seattle, Los Angeles, Fairbanks, and Phoenix among others. We have data for 121 markets. (Some data included below & more in-depth data is available with an active subscription.)Alaska Usa Federal Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Alaska Usa Federal Credit Union is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.68% | 11/17/24 |
| 30 Year Conventional Refi | 6.60% | 11/17/24 |
| 30 Year Cash-out Refi | 7.59% | 11/17/24 |
| 30 Year FHA Purchase | 7.74% | 11/17/24 |
| 30 Year FHA Refi | 6.27% | 11/17/24 |
| 30 Year VA Purchase | 5.90% | 11/17/24 |
| 30 Year VA Refi | 6.27% | 11/17/24 |
| 30 Year USDA Purchase | 6.27% | 11/17/24 |
| 30 Year USDA Refi | 6.27% | 11/17/24 |
| 15 Year Conventional Purchase | 8.99% | 11/17/24 |
| 15 Year Conventional Refi | 5.68% | 11/17/24 |
| 15 Year Cash-out Refi | 5.68% | 11/17/24 |
| 15 Year VA Purchase | 5.68% | 11/17/24 |
| 15 Year VA Refi | 5.68% | 11/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Alaska Usa Federal Credit Union Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Alaska Usa Federal Credit Union. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,962Origination Dollar Volume (All Markets)
$867,450,000Awards
Alaska USA Federal Credit Union - 2023
Alaska USA Federal Credit Union is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Alaska Usa Federal Credit Union's average 30 year fixed mortgage rate was
7.93%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 1.45%.
Relative Fees (Closing Costs)
Alaska Usa Federal Credit Union's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,777.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ANCHORAGE, AK (FHA|USDA|VA) | 954 | $260,560,000 | $273,124 | $5,144 | 7.29% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 393 | $207,705,000 | $528,511 | $7,295 | 7.43% |
| Outside of Metro Areas | 312 | $69,090,000 | $221,442 | $4,881 | 7.47% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 135 | $34,175,000 | $253,148 | $3,046 | 9.78% |
| FAIRBANKS, AK (FHA|USDA|VA) | 136 | $27,870,000 | $204,926 | $5,763 | 7.42% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 152 | $27,370,000 | $180,066 | $3,124 | 8.93% |
| Oak Harbor, WA (FHA|USDA|VA) | 55 | $21,255,000 | $386,455 | $9,163 | 6.66% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 42 | $20,380,000 | $485,238 | $5,829 | 9.19% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 106 | $14,850,000 | $140,094 | $2,824 | 8.97% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 17 | $11,965,000 | $703,824 | $5,788 | 8.23% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 39 | $10,655,000 | $273,205 | $0 | 9.24% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $9,580,000 | $4,790,000 | $0 | 6.04% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 41 | $9,575,000 | $233,537 | $0 | 9.67% |
| Juneau, AK (FHA|USDA|VA) | 37 | $8,945,000 | $241,757 | $5,139 | 7.94% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 39 | $7,925,000 | $203,205 | $4,807 | 7.73% |
| BELLINGHAM, WA (FHA|USDA|VA) | 7 | $7,755,000 | $1,107,857 | $8,908 | 7.44% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $6,690,000 | $3,345,000 | $0 | 6.88% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 43 | $6,465,000 | $150,349 | $0 | 9.16% |
| WENATCHEE, WA (FHA|USDA|VA) | 6 | $5,440,000 | $906,667 | $7,486 | 7.50% |
| Payson, AZ (FHA|USDA|VA) | 3 | $5,345,000 | $1,781,667 | $0 | 9.03% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 29 | $5,205,000 | $179,483 | $0 | 9.95% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 23 | $4,445,000 | $193,261 | $0 | 9.80% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 24 | $4,400,000 | $183,333 | $0 | 9.80% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 13 | $4,355,000 | $335,000 | $7,188 | 7.40% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 13 | $4,095,000 | $315,000 | $5,396 | 8.04% |
| Outside of Metro Areas | 15 | $3,845,000 | $256,333 | $8,573 | 7.98% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 21 | $3,755,000 | $178,810 | $0 | 9.64% |
| WALLA WALLA, WA (FHA|USDA|VA) | 2 | $3,660,000 | $1,830,000 | $3,280 | 6.76% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 20 | $3,480,000 | $174,000 | $0 | 9.61% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 14 | $3,170,000 | $226,429 | $0 | 9.34% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 4 | $2,870,000 | $717,500 | $1,879 | 8.32% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 12 | $2,750,000 | $229,167 | $0 | 9.10% |
| PROVO-OREM, UT (FHA|USDA|VA) | 13 | $2,445,000 | $188,077 | $0 | 8.67% |
| Moses Lake, WA (FHA|USDA|VA) | 8 | $2,440,000 | $305,000 | $8,443 | 6.94% |
| Shelton, WA (FHA|USDA|VA) | 7 | $2,275,000 | $325,000 | $5,584 | 7.56% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 9 | $2,225,000 | $247,222 | $0 | 9.44% |
| Centralia, WA (FHA|USDA|VA) | 8 | $2,200,000 | $275,000 | $5,539 | 6.36% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 11 | $2,105,000 | $191,364 | $0 | 9.04% |
| Sandpoint, ID (FHA|USDA|VA) | 7 | $1,715,000 | $245,000 | $5,963 | 7.14% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 7 | $1,225,000 | $175,000 | $0 | 9.79% |
| Port Angeles, WA (FHA|USDA|VA) | 3 | $1,215,000 | $405,000 | $3,897 | 6.13% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $0 | 10.08% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 7 | $1,085,000 | $155,000 | $0 | 9.89% |
| Ketchikan, AK (FHA|USDA|VA) | 8 | $1,080,000 | $135,000 | $4,189 | 8.33% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $0 | 8.60% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $16,950 | 8.79% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $0 | 9.10% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $960,000 | $160,000 | $0 | 9.21% |
| FRESNO, CA (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $0 | 9.88% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $0 | 10.19% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $0 | 9.81% |
| TUCSON, AZ (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $4,143 | 9.48% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 6 | $850,000 | $141,667 | $0 | 10.25% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $0 | 9.06% |
| RICHMOND, VA (FHA|USDA|VA) | 6 | $710,000 | $118,333 | $0 | 10.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $0 | 8.13% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $14,039 | 8.69% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $8,702 | 9.44% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $0 | 8.74% |
| Pullman, WA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $8,283 | 6.19% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $0 | 10.25% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 8.00% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 10.50% |
| STOCKTON, CA (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $0 | 10.31% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 10.25% |
| Heber, UT (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 7.88% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $0 | 10.50% |
| Ellensburg, WA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,505 | 8.38% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $0 | 9.00% |
| Aberdeen, WA (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $4,410 | 7.54% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,860 | 7.13% |
| RENO, NV (FHA|USDA|VA) | 5 | $365,000 | $73,000 | $0 | 10.24% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 9.38% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 10.25% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,889 | 6.75% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 8.00% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $0 | 9.83% |
| Moscow, ID (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,427 | 6.75% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 7.75% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,322 | 7.50% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 10.25% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $0 | 9.50% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 7.50% |
| NAPA, CA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 10.50% |
| SALEM, OR (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 10.25% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 10.25% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 10.38% |
| BEND, OR (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 9.25% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 10.63% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $0 | 10.58% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 10.38% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,917 | 7.38% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 9.13% |
| Newport, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 9.49% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 10.63% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 8.00% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 9.25% |
| Riverton, WY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 10.25% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 10.25% |
| Sonora, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.99% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 9.49% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 10.25% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 10.50% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 8.75% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 10.50% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 10.50% |
| Hood River, OR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 10.25% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 10.25% |
| CASPER, WY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 9.50% |
| Key West, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 9.50% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 10.75% |
| Safford, AZ (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $939 | 9.31% |
| Othello, WA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 10.75% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $244 | 10.35% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.50% |
| Durango, CO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.50% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.75% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.50% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.75% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.50% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 10.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Alaska USA Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2023, Alaska Usa Federal Credit Union's most frequently originated type of loan was Conventional, with 1,416 originations. Their 2nd most popular type was HELOC, with 1,211 originations.
Loan Reason
For 2023, Alaska Usa Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 1,531 originations. The 2nd most popular reason was Other, with 719 originations.
Loan Duration/Length
For 2023, Alaska Usa Federal Credit Union's most frequently cited loan duration was 30 Year, with 2,553 originations. The 2nd most popular length was 20 Year, with 255 originations.
Origination Fees/Closing Costs
Alaska Usa Federal Credit Union's average total fees were $6,777, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 629 originations.
Interest Rates
During 2023, Alaska Usa Federal Credit Union's average interest rate for loans was 7.93%, while their most frequently originated rate bucket for loans was Over 8%, with 1,316 originations.
Loan Sizing
2023 saw Alaska Usa Federal Credit Union place emphasis on $200k-400k loans with 959 originations, totaling $283,575,000 in origination value.
Applicant Income
Alaska Usa Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 747 originations. The second most popular income band? $150k-250k, with 709 originations.
Applicant Debt to Income Ratio
Alaska Usa Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 438 originations. The next most common DTI ratio? 30-36%, with 428 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications78.48%
Alaska Usa Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination69.41%
Alaska Usa Federal Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,962 | $867,450,000 | $292,860 |