ANCHORAGE Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Anchorage averaged
6.85%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.68% and
one month ago for the week of 2025-05-15, the
average rate was 6.65%.
Anchorage's average rate one year ago was 6.59%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.25%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Anchorage 30 Year Fixed Rate | 2025-06-18 | 6.85% |
| Anchorage 30 Year Fixed Rate Refi | 2025-06-18 | 7.25% |
| Anchorage 15 Year Fixed Rate | 2025-06-18 | 6.1% |
| Anchorage 15 Year Fixed Rate Refi | 2025-06-18 | 5.96% |
| Anchorage 30 Year FHA | 2025-06-18 | -0.26% |
| Anchorage 30 Year FHA Refi | 2025-06-18 | 0% |
| Anchorage 30 Year USDA | 2025-06-18 | 0.1% |
| Anchorage 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Anchorage 30 Year VA | 2025-06-18 | -0.01% |
| Anchorage 30 Year VA Refi | 2025-06-18 | -0.67% |
ANCHORAGE Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the ANCHORAGE, AK market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
ANCHORAGE Average Closing Costs & Other Stats
ANCHORAGE, AK's 111 lenders originated 6,949
loans during 2024. The total origination value was $2,441,005,000, with an average loan value of
$351,274.
ANCHORAGE's average closing costs are $6,335.
The top ANCHORAGE lender as defined by loan originations is Alaska USA Federal Credit Union, with
341 loans originated. Their average total fees are
$4,769, which is $759
lower than the next largest lender,
RESIDENTIAL MORTGAGE, LLC.
The lowest fee ANCHORAGE lenders (with over 10 loans originated) are
PRIMARY RESIDENTIAL MORTGAGE, INC. ($1,799), PREMIA MORTGAGE, LLC ($2,239), NBKC BANK ($4,029), MATANUSKA VALLEY FEDERAL CREDIT UNION ($4,693) and Alaska USA Federal Credit Union ($4,769).
The lowest rate ANCHORAGE lenders (with over 10 loans originated) are
CREDIT UNION 1 (6.19%), PRIMELENDING, A PLAINSCAPITAL COMPANY (6.24%), PRIMARY RESIDENTIAL MORTGAGE, INC. (6.35%), PREMIA MORTGAGE, LLC (6.36%) and Plains Commerce Bank (6.37%).
ANCHORAGE, AK Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| RESIDENTIAL MORTGAGE, LLC | $345,085,000 | $431,675,000 | 25.1% | 17.7% |
| Alaska USA Federal Credit Union | $260,560,000 | $299,320,000 | 14.9% | 12.3% |
| NEWREZ LLC | $198,920,000 | $190,070,000 | -4.4% | 7.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $139,300,000 | $121,760,000 | -12.6% | 5.0% |
| QUICKEN LOANS, LLC | $72,730,000 | $111,560,000 | 53.4% | 4.6% |
| Mortgage Research Center, LLC | $82,245,000 | $89,970,000 | 9.4% | 3.7% |
| Morgan Stanley Private Bank | $3,870,000 | $77,105,000 | 1,892.4% | 3.2% |
| MOVEMENT MORTGAGE, LLC | $97,085,000 | $75,025,000 | -22.7% | 3.1% |
| The Loan Store, Inc. | $2,020,000 | $54,245,000 | 2,585.4% | 2.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $41,355,000 | $43,915,000 | 6.2% | 1.8% |
| First National Bank Alaska | $56,365,000 | $43,185,000 | -23.4% | 1.8% |
| FREEDOM MORTGAGE CORPORATION | $7,705,000 | $42,610,000 | 453.0% | 1.7% |
| NuVision Federal Credit Union | $40,880,000 | $41,715,000 | 2.0% | 1.7% |
| PENNYMAC LOAN SERVICES, LLC | $14,310,000 | $39,890,000 | 178.8% | 1.6% |
| GUARANTEED RATE, INC. | $46,160,000 | $39,850,000 | -13.7% | 1.6% |
| LOANDEPOT.COM, LLC | $25,770,000 | $34,085,000 | 32.3% | 1.4% |
| NAVY FEDERAL CREDIT UNION | $30,695,000 | $31,985,000 | 4.2% | 1.3% |
| CREDIT UNION 1 | $38,545,000 | $30,730,000 | -20.3% | 1.3% |
| CANOPY MORTGAGE, LLC | $2,475,000 | $29,955,000 | 1,110.3% | 1.2% |
| USAA Federal Savings Bank | $21,345,000 | $24,700,000 | 15.7% | 1.0% |
| GUILD MORTGAGE COMPANY | $34,930,000 | $23,650,000 | -32.3% | 1.0% |
| Wells Fargo Bank | $27,770,000 | $22,570,000 | -18.7% | 0.9% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $24,055,000 | $21,970,000 | -8.7% | 0.9% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,885,000 | $19,180,000 | 917.5% | 0.8% |
| Flagstar Bank, FSB | $19,375,000 | $18,070,000 | -6.7% | 0.7% |
| North American Savings Bank, F.S.B. | $14,440,000 | $16,490,000 | 14.2% | 0.7% |
| MATANUSKA VALLEY FEDERAL CREDIT UNION | $13,935,000 | $16,145,000 | 15.9% | 0.7% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $20,450,000 | $15,765,000 | -22.9% | 0.6% |
| LAKEVIEW LOAN SERVICING, LLC | $1,980,000 | $14,885,000 | 651.8% | 0.6% |
| The Federal Savings Bank | $10,550,000 | $14,440,000 | 36.9% | 0.6% |
| NBKC BANK | $13,605,000 | $14,275,000 | 4.9% | 0.6% |
| Plains Commerce Bank | $9,670,000 | $14,100,000 | 45.8% | 0.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $10,170,000 | $12,810,000 | 26.0% | 0.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $11,655,000 | n/a | 0.5% | |
| CMG MORTGAGE, INC. | $4,150,000 | $11,365,000 | 173.9% | 0.5% |
| Century Mortgage Company DBA Century Lending Company | $3,875,000 | $11,150,000 | 187.7% | 0.5% |
| RESIDENTIAL BANCORP | $8,580,000 | $11,070,000 | 29.0% | 0.5% |
| Paramount Residential Mortgage Group, Inc. | $12,820,000 | $10,240,000 | -20.1% | 0.4% |
| VILLAGE CAPITAL MORTGAGE | $2,305,000 | $10,235,000 | 344.0% | 0.4% |
| BROKER SOLUTIONS, INC. | $8,260,000 | $10,200,000 | 23.5% | 0.4% |
| GENEVA FINANCIAL, LLC | $11,655,000 | $9,840,000 | -15.6% | 0.4% |
| PLAZA HOME MORTGAGE, INC. | $1,145,000 | $8,845,000 | 672.5% | 0.4% |
| CHURCHILL MORTGAGE CORPORATION | $8,865,000 | $8,455,000 | -4.6% | 0.3% |
| Bank of America | $5,300,000 | $8,175,000 | 54.2% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $4,455,000 | $7,780,000 | 74.6% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $7,820,000 | $7,640,000 | -2.3% | 0.3% |
| BMO Harris Bank | $8,415,000 | $7,620,000 | -9.4% | 0.3% |
| KeyBank | $31,020,000 | $7,585,000 | -75.5% | 0.3% |
| PREMIA MORTGAGE, LLC | $7,455,000 | $7,475,000 | 0.3% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $15,430,000 | $7,030,000 | -54.4% | 0.3% |
| UNION HOME MORTGAGE CORP. | $6,515,000 | $6,780,000 | 4.1% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,160,000 | $5,940,000 | 175.0% | 0.2% |
| Truity Federal Credit Union | $4,680,000 | $5,315,000 | 13.6% | 0.2% |
| PLANET HOME LENDING, LLC | $5,070,000 | n/a | 0.2% | |
| ORIX REAL ESTATE CAPITAL, LLC | $4,990,000 | n/a | 0.2% | |
| SUN WEST MORTGAGE COMPANY, INC. | $15,695,000 | $4,785,000 | -69.5% | 0.2% |
| MEMBER FIRST MORTGAGE, LLC | $4,715,000 | n/a | 0.2% | |
| CORNERSTONE HOME LENDING, INC. | $8,080,000 | $4,285,000 | -47.0% | 0.2% |
| JPMorgan Chase Bank | $4,680,000 | $4,125,000 | -11.9% | 0.2% |
| U.S. Bank | $2,795,000 | $3,895,000 | 39.4% | 0.2% |
| NEXERA HOLDING LLC | $3,545,000 | n/a | 0.1% | |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $3,380,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $3,335,000 | n/a | 0.1% | |
| Figure Lending LLC | $880,000 | $3,320,000 | 277.3% | 0.1% |
| TRUE NORTH FEDERAL CREDIT UNION | $2,090,000 | $3,300,000 | 57.9% | 0.1% |
| Coastal Community Bank | $2,465,000 | $3,210,000 | 30.2% | 0.1% |
| READYCAP COMMERCIAL, LLC | $3,125,000 | n/a | 0.1% | |
| Arbor Realty Trust, Inc. | $6,565,000 | $3,100,000 | -52.8% | 0.1% |
| Merchants Capital Corp. | $3,065,000 | n/a | 0.1% | |
| Prosperity Home Mortgage, LLC | $1,975,000 | $2,965,000 | 50.1% | 0.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $1,505,000 | $2,835,000 | 88.4% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,760,000 | $2,825,000 | 60.5% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $345,000 | $2,675,000 | 675.4% | 0.1% |
| Discover Bank | $2,895,000 | $2,630,000 | -9.2% | 0.1% |
| NP, Inc. | $735,000 | $2,545,000 | 246.3% | 0.1% |
| AMERICAN FINANCING CORPORATION | $1,835,000 | $2,490,000 | 35.7% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $595,000 | $2,490,000 | 318.5% | 0.1% |
| LENDSURE MORTGAGE CORP. | $1,155,000 | $2,435,000 | 110.8% | 0.1% |
| Ally Bank | $925,000 | $2,340,000 | 153.0% | 0.1% |
| The Central Trust Bank | $2,255,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $2,480,000 | $2,235,000 | -9.9% | 0.1% |
| Armed Forces Bank | $1,965,000 | $2,120,000 | 7.9% | 0.1% |
| OCMBC, INC. | $2,020,000 | n/a | 0.1% | |
| VAN DYK MORTGAGE CORPORATION | $5,590,000 | $1,930,000 | -65.5% | 0.1% |
| BETTER MORTGAGE CORPORATION | $1,020,000 | $1,885,000 | 84.8% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $1,260,000 | $1,760,000 | 39.7% | 0.1% |
| Carrington Mortgage Services, LLC | $1,560,000 | $1,750,000 | 12.2% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $4,580,000 | $1,725,000 | -62.3% | 0.1% |
| AmeriHome Mortgage Company, LLC | $1,655,000 | n/a | 0.1% | |
| Midwest BankCentre | $1,615,000 | n/a | 0.1% | |
| Northpointe Bank | $1,600,000 | $1,575,000 | -1.6% | 0.1% |
| M&T Bank | $1,735,000 | $1,550,000 | -10.7% | 0.1% |
| Magnolia Bank | $1,895,000 | $1,540,000 | -18.7% | 0.1% |
| BAY-VALLEY MORTGAGE GROUP | $575,000 | $1,500,000 | 160.9% | 0.1% |
| AMERITRUST MORTGAGE CORPORATION | $1,490,000 | n/a | 0.1% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $560,000 | $1,355,000 | 142.0% | 0.1% |
| PHH Mortgage Corporation | $495,000 | $1,355,000 | 173.7% | 0.1% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $1,325,000 | n/a | 0.1% | |
| Charles Schwab Bank, SSB | $1,295,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $7,030,000 | $1,295,000 | -81.6% | 0.1% |
| Allied First Bank,sb | $1,270,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $235,000 | $1,270,000 | 440.4% | 0.1% |
| RBC Bank, (Georgia) | $1,265,000 | n/a | 0.1% | |
| ENVOY MORTGAGE, LTD | $1,225,000 | n/a | 0.1% | |
| ADVANCIAL | $465,000 | $1,190,000 | 155.9% | 0.0% |
| Logan Finance Corporation | $1,040,000 | n/a | 0.0% | |
| UBS Bank USA | $1,695,000 | $1,010,000 | -40.4% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $275,000 | $1,000,000 | 263.6% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $330,000 | $1,000,000 | 203.0% | 0.0% |
| Waterstone Mortgage Corporation | $255,000 | $1,000,000 | 292.2% | 0.0% |
| Liberty Bank and Trust Company | $995,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $985,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $310,000 | $980,000 | 216.1% | 0.0% |
| AMWEST FUNDING CORP. | $405,000 | $960,000 | 137.0% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $850,000 | $945,000 | 11.2% | 0.0% |
| Farmers Bank & Trust | $1,610,000 | $900,000 | -44.1% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $1,585,000 | $890,000 | -43.8% | 0.0% |
| Commerce Home Mortgage, Inc. | $385,000 | $865,000 | 124.7% | 0.0% |
| MORTGAGE ACCESS CORP. | $1,130,000 | $840,000 | -25.7% | 0.0% |
| Goldman Sachs Bank USA | $1,005,000 | $685,000 | -31.8% | 0.0% |
| Hometown Equity Mortgage, LLC | $670,000 | n/a | 0.0% | |
| Washington Trust Bank | $665,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $45,000 | $605,000 | 1,244.4% | 0.0% |
| Fifth Third Bank | $600,000 | n/a | 0.0% | |
| Chickasaw Community Bank | $1,165,000 | $595,000 | -48.9% | 0.0% |
| Academy Bank | $575,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $210,000 | $575,000 | 173.8% | 0.0% |
| State Department Federal Credit Union | $570,000 | n/a | 0.0% | |
| S1L, Inc. | $535,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $2,230,000 | $525,000 | -76.5% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $525,000 | $515,000 | -1.9% | 0.0% |
| First Federal Bank | $505,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $505,000 | n/a | 0.0% | |
| The Huntington National Bank | $2,110,000 | $505,000 | -76.1% | 0.0% |
| CARDINAL FINANCIAL | $2,510,000 | $495,000 | -80.3% | 0.0% |
| TRISTAR FINANCE, INC. | $495,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $480,000 | n/a | 0.0% | |
| DIRECTORS MORTGAGE, INC. | $475,000 | n/a | 0.0% | |
| Cache Valley Bank | $455,000 | n/a | 0.0% | |
| BOKF | $450,000 | n/a | 0.0% | |
| GoPrime Mortgage, Inc. | $445,000 | n/a | 0.0% | |
| CHEVRON | $75,000 | $435,000 | 480.0% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $435,000 | n/a | 0.0% | |
| SmartBank | $425,000 | n/a | 0.0% | |
| Citibank | $805,000 | $405,000 | -49.7% | 0.0% |
| Northwest Federal Credit Union | $405,000 | n/a | 0.0% | |
| PNC Bank | $605,000 | $385,000 | -36.4% | 0.0% |
| GREENSTATE CREDIT UNION | $365,000 | $375,000 | 2.7% | 0.0% |
| First National Bank of Omaha | $365,000 | n/a | 0.0% | |
| BP Federal Credit Union | $335,000 | n/a | 0.0% | |
| SILVER HILL FUNDING, LLC | $335,000 | n/a | 0.0% | |
| First National Bank of America | $315,000 | n/a | 0.0% | |
| TruHome Solutions, LLC | $305,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $285,000 | n/a | 0.0% | |
| BM Real Estate Services, Inc. | $275,000 | n/a | 0.0% | |
| Evolve Bank & Trust | $275,000 | n/a | 0.0% | |
| FirstOak Bank | $205,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $1,365,000 | $175,000 | -87.2% | 0.0% |
| NexBank | $145,000 | n/a | 0.0% | |
| GTE Federal Credit Union | $185,000 | $125,000 | -32.4% | 0.0% |
| SPIRIT OF ALASKA | $125,000 | n/a | 0.0% | |
| NATIONAL COOPERATIVE BANK, N.A. | $115,000 | n/a | 0.0% | |
| Northwest Farm Credit Services, FLCA | $105,000 | n/a | 0.0% | |
| Baxter Credit Union | $95,000 | n/a | 0.0% | |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $95,000 | n/a | 0.0% | |
| Elements Financial Federal Credit Union | $75,000 | n/a | 0.0% | |
| DEPARTMENT OF THE INTERIOR FEDERAL CREDIT UNION | $95,000 | $45,000 | -52.6% | 0.0% |
ANCHORAGE's top lender by overall market share is RESIDENTIAL MORTGAGE, LLC, with 17.7% market share. In second place, with 12.3%, is Alaska USA Federal Credit Union, having originated $299,320,000 in loans. In third place, with 7.8%, is NEWREZ LLC, having originated $190,070,000 in loans. In fourth place, with 5.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $121,760,000 in loans. In fifth place, with 4.6%, is QUICKEN LOANS, LLC, having originated $111,560,000 in loans.
ANCHORAGE, AK Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 4,686 | $1,852,070,000 | $395,235 |
| Cash Out Refi | 759 | $180,255,000 | $237,490 |
| Refi | 605 | $233,835,000 | $386,504 |
| Other | 518 | $134,230,000 | $259,131 |
| Home Improvement | 380 | $39,750,000 | $104,605 |
| NA | 1 | $865,000 | $865,000 |
Anchorage's most frequently cited loan purpose was Home Purchase, with 4,686 originations. The 2nd most popular reason was Cash Out Refi, with 759 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 3,131 | $1,296,235,000 | $414,000 |
| 5-6% | 1,878 | $690,800,000 | $367,838 |
| Over 8% | 966 | $122,240,000 | $126,542 |
| 7-8% | 776 | $259,330,000 | $334,188 |
| 4-5% | 92 | $35,440,000 | $385,217 |
| <2.5% | 40 | $12,360,000 | $309,000 |
| 3-4% | 37 | $10,945,000 | $295,811 |
| 2.5-3% | 25 | $9,265,000 | $370,600 |
During 2024, Anchorage's most frequently originated rate bucket was 6-7%, with 3,131 originations.
Loan Sizing (ANCHORAGE, AK MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 3,053 | $943,435,000 | $309,019 |
| $400k-600k | 1,637 | $782,155,000 | $477,798 |
| $100,000 or less | 874 | $51,580,000 | $59,016 |
| $100k-200k | 802 | $118,130,000 | $147,294 |
| $600k-1000k | 504 | $362,880,000 | $720,000 |
| $Over $1MM | 79 | $182,825,000 | $2,314,241 |
ANCHORAGE's loan sizing saw the bucket of loans from $200k-400k with 3,053 originations, totaling $943,435,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 3,397 | $1,378,915,000 | $405,921 |
| 60-80% | 1,206 | $441,440,000 | $366,036 |
| Under 20% | 762 | $48,410,000 | $63,530 |
| Over 100% | 474 | $225,900,000 | $476,582 |
| 20-40% | 473 | $69,175,000 | $146,247 |
| 40-60% | 415 | $194,175,000 | $467,892 |
ANCHORAGE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 3,397 originations, totaling $1,378,915,000 in origination value.