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 a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Seattle, Phoenix, Anchorage, Spokane, and Bremerton among others. We have data for 62 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 a low 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 about average 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.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.68% | 6/26/24 |
| 30 Year Conventional Refi | 6.60% | 6/26/24 |
| 30 Year Cash-out Refi | 7.59% | 6/26/24 |
| 30 Year FHA Purchase | 7.74% | 6/26/24 |
| 30 Year FHA Refi | 6.27% | 6/26/24 |
| 30 Year VA Purchase | 5.90% | 6/26/24 |
| 30 Year VA Refi | 6.27% | 6/26/24 |
| 30 Year USDA Purchase | 6.27% | 6/26/24 |
| 30 Year USDA Refi | 6.27% | 6/26/24 |
| 15 Year Conventional Purchase | 8.99% | 6/26/24 |
| 15 Year Conventional Refi | 5.68% | 6/26/24 |
| 15 Year Cash-out Refi | 5.68% | 6/26/24 |
| 15 Year VA Purchase | 5.68% | 6/26/24 |
| 15 Year VA Refi | 5.68% | 6/26/24 |
| 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
1,245Origination Dollar Volume (All Markets)
$351,505,000Awards
Alaska USA Federal Credit Union - 2022
Alaska USA Federal Credit Union is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 159 | $119,065,000 | $748,836 | $355 | 5.51% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 221 | $55,685,000 | $251,968 | $3,342 | 5.35% |
| ANCHORAGE, AK (FHA|USDA|VA) | 268 | $30,000,000 | $111,940 | $688 | 6.19% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 84 | $25,230,000 | $300,357 | $4,367 | 5.05% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 12 | $19,260,000 | $1,605,000 | $99 | 5.30% |
| Outside of Metro Areas | 125 | $18,875,000 | $151,000 | $2,899 | 6.06% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $11,150,000 | $5,575,000 | $0 | 4.88% |
| Outside of Metro Areas | 29 | $8,355,000 | $288,103 | $4,566 | 5.29% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 53 | $5,715,000 | $107,830 | $241 | 6.54% |
| FAIRBANKS, AK (FHA|USDA|VA) | 54 | $5,440,000 | $100,741 | $662 | 5.63% |
| Sandpoint, ID (FHA|USDA|VA) | 11 | $5,265,000 | $478,636 | $12,037 | 4.94% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 16 | $4,560,000 | $285,000 | $364 | 5.98% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 5 | $3,915,000 | $783,000 | $7,313 | 6.38% |
| Ellensburg, WA (FHA|USDA|VA) | 3 | $3,655,000 | $1,218,333 | $3,529 | 4.75% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 21 | $2,855,000 | $135,952 | $0 | 5.99% |
| BELLINGHAM, WA (FHA|USDA|VA) | 4 | $2,710,000 | $677,500 | $0 | 5.38% |
| TUCSON, AZ (FHA|USDA|VA) | 14 | $2,530,000 | $180,714 | $3,307 | 5.36% |
| Oak Harbor, WA (FHA|USDA|VA) | 19 | $2,325,000 | $122,368 | $1,310 | 6.11% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 8 | $2,300,000 | $287,500 | $3,050 | 5.11% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 13 | $2,245,000 | $172,692 | $131 | 5.80% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $2,175,000 | $2,175,000 | $0 | 3.95% |
| Burley, ID (FHA|USDA|VA) | 2 | $2,160,000 | $1,080,000 | $0 | 4.45% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 11 | $1,685,000 | $153,182 | $5,889 | 6.07% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 13 | $1,475,000 | $113,462 | $0 | 5.87% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 7 | $1,355,000 | $193,571 | $0 | 5.75% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 6 | $1,250,000 | $208,333 | $0 | 6.25% |
| Juneau, AK (FHA|USDA|VA) | 18 | $1,240,000 | $68,889 | $130 | 5.73% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 7 | $1,125,000 | $160,714 | $250 | 5.73% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $5,076 | 4.25% |
| NAPA, CA (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $0 | 6.25% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 6.25% |
| Pullman, WA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $7,861 | 4.50% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $0 | 6.00% |
| Centralia, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,749 | 6.50% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,208 | 3.63% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 5.88% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 5.88% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 6.25% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 6.25% |
| CHICO, CA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 5.63% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 7.00% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 5.50% |
| Shelton, WA (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $160 | 6.23% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 5.50% |
| Ketchikan, AK (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $1,917 | 7.35% |
| Sonora, CA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 5.75% |
| Payson, AZ (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 7.09% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 5.50% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 5.75% |
| SALEM, OR (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 6.13% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 6.25% |
| BEND, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 5.75% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.75% |
| REDDING, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.25% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.75% |
| MADERA, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 6.25% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 4.50% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.00% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.50% |
| WALLA WALLA, WA (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 7.25% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 4.75% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.00% |
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 2022, Alaska Usa Federal Credit Union's most frequently originated type of loan was HELOC, with 614 originations. Their 2nd most popular type was Conventional, with 583 originations.
Loan Reason
For 2022, Alaska Usa Federal Credit Union's most frequently cited loan purpose was Other, with 491 originations. The 2nd most popular reason was Home Purchase, with 303 originations.
Loan Duration/Length
For 2022, Alaska Usa Federal Credit Union's most frequently cited loan duration was 30 Year, with 589 originations. The 2nd most popular length was 20 Year, with 390 originations.
Origination Fees/Closing Costs
Alaska Usa Federal Credit Union's average total fees were $3,746, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 346 originations.
Interest Rates
During 2022, Alaska Usa Federal Credit Union's average interest rate for loans was 4.89%, while their most frequently originated rate bucket for loans was 5-6%, with 299 originations.
Loan Sizing
2022 saw Alaska Usa Federal Credit Union place emphasis on $100,000 or less loans with 570 originations, totaling $31,800,000 in origination value.
Applicant Income
Alaska Usa Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 338 originations. The second most popular income band? $150k-250k, with 253 originations.
Applicant Debt to Income Ratio
Alaska Usa Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 290 originations. The next most common DTI ratio? 30-36%, with 240 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.72%
Alaska Usa Federal Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination40.24%
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 |
|---|---|---|---|
| 10351.5 | 1 | $315,000 | $315,000 |
| 124.0 | 7 | $865,000 | $123,571 |
| 1970.77 | 1 | $45,000 | $45,000 |
| 2106.0 | 1 | $55,000 | $55,000 |
| 2265.0 | 1 | $45,000 | $45,000 |
| 2787.82 | 1 | $55,000 | $55,000 |
| 2851.5 | 1 | $65,000 | $65,000 |
| 3232.0 | 1 | $85,000 | $85,000 |
| 3279.99 | 1 | $75,000 | $75,000 |
| 3307.48 | 1 | $75,000 | $75,000 |
| 3399.0 | 1 | $85,000 | $85,000 |
| 3421.5 | 1 | $85,000 | $85,000 |
| 3421.57 | 1 | $105,000 | $105,000 |
| 3429.0 | 1 | $85,000 | $85,000 |
| 3519.0 | 1 | $85,000 | $85,000 |
| 3564.0 | 3 | $255,000 | $85,000 |
| 3605.38 | 1 | $85,000 | $85,000 |
| 3609.0 | 1 | $85,000 | $85,000 |
| 3699.0 | 1 | $95,000 | $95,000 |
| 3759.0 | 1 | $95,000 | $95,000 |
| 3790.09 | 1 | $95,000 | $95,000 |
| 3794.2 | 1 | $95,000 | $95,000 |
| 3849.0 | 3 | $285,000 | $95,000 |
| 3878.97 | 1 | $95,000 | $95,000 |
| 3879.0 | 1 | $95,000 | $95,000 |
| 3890.45 | 1 | $95,000 | $95,000 |
| 3904.06 | 1 | $95,000 | $95,000 |
| 3989.53 | 1 | $95,000 | $95,000 |
| 3991.5 | 2 | $190,000 | $95,000 |
| 3999.0 | 1 | $105,000 | $105,000 |
| 4059.0 | 1 | $105,000 | $105,000 |
| 4191.0 | 1 | $105,000 | $105,000 |
| 4236.6 | 1 | $105,000 | $105,000 |
| 4279.83 | 1 | $105,000 | $105,000 |
| 4299.15 | 1 | $115,000 | $115,000 |
| 4374.54 | 1 | $115,000 | $115,000 |
| 4381.23 | 1 | $115,000 | $115,000 |
| 4382.54 | 1 | $115,000 | $115,000 |
| 4390.5 | 1 | $115,000 | $115,000 |
| 4410.67 | 1 | $115,000 | $115,000 |
| 4419.0 | 2 | $230,000 | $115,000 |
| 4438.15 | 1 | $115,000 | $115,000 |
| 4449.0 | 2 | $230,000 | $115,000 |
| 4508.8 | 1 | $115,000 | $115,000 |
| 4516.5 | 1 | $115,000 | $115,000 |
| 4561.5 | 2 | $230,000 | $115,000 |
| 4590.0 | 1 | $115,000 | $115,000 |
| 4590.54 | 1 | $115,000 | $115,000 |
| 4692.6 | 1 | $125,000 | $125,000 |
| 4696.5 | 1 | $125,000 | $125,000 |
| 4703.73 | 1 | $125,000 | $125,000 |
| 4705.95 | 1 | $125,000 | $125,000 |
| 4746.84 | 1 | $125,000 | $125,000 |
| 4749.0 | 1 | $125,000 | $125,000 |
| 4779.0 | 1 | $125,000 | $125,000 |
| 4803.75 | 1 | $125,000 | $125,000 |
| 4839.0 | 1 | $125,000 | $125,000 |
| 4904.48 | 1 | $135,000 | $135,000 |
| 4917.22 | 1 | $135,000 | $135,000 |
| 5049.0 | 1 | $135,000 | $135,000 |
| 5065.46 | 1 | $135,000 | $135,000 |
| 5074.32 | 1 | $135,000 | $135,000 |
| 5076.56 | 1 | $135,000 | $135,000 |
| 5100.57 | 1 | $135,000 | $135,000 |
| 5157.43 | 1 | $135,000 | $135,000 |
| 5184.0 | 1 | $135,000 | $135,000 |
| 5199.0 | 2 | $290,000 | $145,000 |
| 5247.51 | 1 | $145,000 | $145,000 |
| 5274.0 | 2 | $270,000 | $135,000 |
| 5291.4 | 1 | $145,000 | $145,000 |
| 5319.0 | 1 | $145,000 | $145,000 |
| 5321.7 | 1 | $145,000 | $145,000 |
| 5338.86 | 1 | $145,000 | $145,000 |
| 5349.0 | 1 | $145,000 | $145,000 |
| 5383.84 | 1 | $145,000 | $145,000 |
| 5416.5 | 1 | $145,000 | $145,000 |
| 5439.0 | 1 | $145,000 | $145,000 |
| 5589.0 | 1 | $155,000 | $155,000 |
| 5628.53 | 1 | $155,000 | $155,000 |
| 5701.5 | 1 | $155,000 | $155,000 |
| 5731.69 | 1 | $155,000 | $155,000 |
| 5829.0 | 1 | $165,000 | $165,000 |
| 5901.0 | 1 | $165,000 | $165,000 |
| 5902.14 | 1 | $165,000 | $165,000 |
| 5905.34 | 1 | $165,000 | $165,000 |
| 6022.89 | 1 | $165,000 | $165,000 |
| 6060.85 | 1 | $165,000 | $165,000 |
| 6095.09 | 1 | $165,000 | $165,000 |
| 6099.0 | 1 | $175,000 | $175,000 |
| 6129.0 | 1 | $175,000 | $175,000 |
| 6234.0 | 1 | $175,000 | $175,000 |
| 6249.0 | 1 | $175,000 | $175,000 |
| 6267.67 | 1 | $175,000 | $175,000 |
| 6365.18 | 1 | $175,000 | $175,000 |
| 6399.0 | 1 | $185,000 | $185,000 |
| 6460.93 | 1 | $185,000 | $185,000 |
| 6485.25 | 1 | $185,000 | $185,000 |
| 6494.33 | 1 | $185,000 | $185,000 |
| 6669.0 | 1 | $185,000 | $185,000 |
| 6699.0 | 1 | $195,000 | $195,000 |
| 6717.42 | 1 | $195,000 | $195,000 |
| 6819.0 | 1 | $195,000 | $195,000 |
| 6893.74 | 1 | $195,000 | $195,000 |
| 6969.0 | 1 | $195,000 | $195,000 |
| 7141.88 | 1 | $205,000 | $205,000 |
| 7240.5 | 1 | $205,000 | $205,000 |
| 7749.0 | 1 | $225,000 | $225,000 |
| 7776.3 | 1 | $225,000 | $225,000 |
| 7967.3 | 1 | $235,000 | $235,000 |
| 7981.5 | 1 | $235,000 | $235,000 |
| 8343.0 | 1 | $245,000 | $245,000 |
| 8619.0 | 1 | $255,000 | $255,000 |
| 8919.0 | 1 | $265,000 | $265,000 |
| 9054.54 | 1 | $265,000 | $265,000 |
| 9072.0 | 1 | $265,000 | $265,000 |
| 9099.0 | 1 | $275,000 | $275,000 |
| 99.0 | 2 | $580,000 | $290,000 |
| 998.0 | 2 | $230,000 | $115,000 |
| 999.0 | 7 | $945,000 | $135,000 |
| NA | 1,102 | $331,560,000 | $300,871 |