Juneau Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Juneau averaged 5.72% for the week of 2024-10-03, compared to the national average of 6.12% for the same period.

The average rate for the prior week (2024-09-26) was 5.78% and one month ago for the week of 2024-08-29, the average rate was 6.05%.

Juneau's average rate one year ago was 7.01%.

For refis of the same type during the week of 2024-10-03, the average rate was 6.42%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-03 6.12%
Juneau 30 Year Fixed Rate 2024-10-03 5.72%
Juneau 30 Year Fixed Rate Refi 2024-10-03 6.42%
Juneau 15 Year Fixed Rate 2024-10-03 5.35%
Juneau 15 Year Fixed Rate Refi 2024-10-03 5.35%
Juneau 30 Year FHA 2024-10-03 5.79%
Juneau 30 Year FHA Refi 2024-10-03 5.79%
Juneau 30 Year USDA 2024-10-03 5.97%
Juneau 30 Year USDA Refi 2024-10-03 5.97%
Juneau 30 Year VA 2024-10-03 5.7%
Juneau 30 Year VA Refi 2024-10-03 5.4%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Juneau, AK.

Juneau 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 Juneau, 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.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
CORNERSTONE HOME LENDING, INC. 42 6.53% $9,658
MOVEMENT MORTGAGE, LLC 35 6.83% $8,526
NEWREZ LLC 15 7.02% $7,810
TRUE NORTH FEDERAL CREDIT UNION 12 6.58% $6,482
QUICKEN LOANS, LLC 11 6.78% $11,298
Alaska USA Federal Credit Union 11 6.33% $6,956
RESIDENTIAL MORTGAGE, LLC 9 6.33% $6,426
UNITED WHOLESALE MORTGAGE, LLC 6 6.56% $13,465
Wyndham Capital Mortgage, Inc. 2 5.88% $15,655
Bank of America 2 6.19% $12,729
BETTER MORTGAGE CORPORATION 2 6.38% $2,359
CARDINAL FINANCIAL 2 7.00% $6,823
First National Bank Alaska 2 6.50% $11,693
NBKC BANK 2 6.94% $8,101
Wells Fargo Bank 2 6.38% $11,034
Mortgage Research Center, LLC 1 6.25% $6,600
Plains Commerce Bank 1 7.50% $6,517
PREMIA MORTGAGE, LLC 1 6.13% $2,597
MANN FINANCIAL INC. 1 7.50% $5,428
GUARANTEED RATE AFFINITY, LLC 1 6.88% $3,241
SUN WEST MORTGAGE COMPANY, INC. 1 7.50% $7,072
The Federal Savings Bank 1 7.50% $14,945
Toyota Financial Savings Bank 1 7.00% $5,589
Flagstar Bank, FSB 1 6.36% $3,773
CMG MORTGAGE, INC. 1 5.99% $8,743
USAA Federal Savings Bank 1 6.25% $4,544
NAVY FEDERAL CREDIT UNION 1 6.50% $2,522
Axos Bank 1 5.50% $21,588

Juneau Average Closing Costs & Other Stats

Juneau, AK's 28 lenders originated 403 loans during 2023. The total origination value was $132,925,000, with an average loan value of $329,839.

Juneau's average closing costs are $7,542.

The top Juneau lender as defined by loan originations is CORNERSTONE HOME LENDING, INC., with 42 loans originated. Their average total fees are $9,658, which is $1,132 higher than the next largest lender, MOVEMENT MORTGAGE, LLC.

The lowest fee Juneau lenders (with over 10 loans originated) are TRUE NORTH FEDERAL CREDIT UNION ($6,482), Alaska USA Federal Credit Union ($6,956), NEWREZ LLC ($7,810), MOVEMENT MORTGAGE, LLC ($8,526) and CORNERSTONE HOME LENDING, INC. ($9,658).

The lowest rate Juneau lenders (with over 10 loans originated) are Alaska USA Federal Credit Union (6.33%), CORNERSTONE HOME LENDING, INC. (6.53%), TRUE NORTH FEDERAL CREDIT UNION (6.58%), QUICKEN LOANS, LLC (6.78%) and MOVEMENT MORTGAGE, LLC (6.83%).

Juneau, 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
CORNERSTONE HOME LENDING, INC. $29,225,000 $24,125,000 -17.5% 18.1%
MOVEMENT MORTGAGE, LLC $57,670,000 $20,690,000 -64.1% 15.6%
RESIDENTIAL MORTGAGE, LLC $23,735,000 $11,855,000 -50.1% 8.9%
NEWREZ LLC $8,985,000 n/a 6.8%
Alaska USA Federal Credit Union $1,240,000 $8,945,000 621.4% 6.7%
TRUE NORTH FEDERAL CREDIT UNION $7,870,000 $6,695,000 -14.9% 5.0%
PENNYMAC LOAN SERVICES, LLC $1,030,000 $6,645,000 545.1% 5.0%
QUICKEN LOANS, LLC $10,990,000 $5,180,000 -52.9% 3.9%
UNITED WHOLESALE MORTGAGE, LLC $7,210,000 $4,660,000 -35.4% 3.5%
NAVY FEDERAL CREDIT UNION $3,120,000 $4,295,000 37.7% 3.2%
USAA Federal Savings Bank $2,080,000 $2,805,000 34.9% 2.1%
Mortgage Research Center, LLC $3,910,000 $2,680,000 -31.5% 2.0%
Wells Fargo Bank $8,950,000 $2,435,000 -72.8% 1.8%
Wyndham Capital Mortgage, Inc. $3,145,000 $1,610,000 -48.8% 1.2%
First National Bank Alaska $3,350,000 $1,590,000 -52.5% 1.2%
Community First National Bank $1,555,000 n/a 1.2%
Bank of America $1,990,000 $1,540,000 -22.6% 1.2%
NBKC BANK $1,515,000 n/a 1.1%
The Federal Savings Bank $1,200,000 n/a 0.9%
Denali State Bank $1,090,000 n/a 0.8%
FREEDOM MORTGAGE CORPORATION $315,000 $940,000 198.4% 0.7%
Axos Bank $870,000 n/a 0.7%
CARDINAL FINANCIAL $1,520,000 $810,000 -46.7% 0.6%
Toyota Financial Savings Bank $705,000 n/a 0.5%
LAKEVIEW LOAN SERVICING, LLC $535,000 $680,000 27.1% 0.5%
Paramount Residential Mortgage Group, Inc. $740,000 $625,000 -15.5% 0.5%
Stride Bank $355,000 $615,000 73.2% 0.5%
U.S. Bank $1,380,000 $605,000 -56.2% 0.5%
AMERISAVE MORTGAGE CORPORATION $2,875,000 $600,000 -79.1% 0.5%
BETTER MORTGAGE CORPORATION $2,395,000 $510,000 -78.7% 0.4%
Plains Commerce Bank $510,000 n/a 0.4%
KeyBank $6,280,000 $435,000 -93.1% 0.3%
Carrington Mortgage Services, LLC $405,000 n/a 0.3%
PREMIA MORTGAGE, LLC $395,000 n/a 0.3%
CMG MORTGAGE, INC. $690,000 $385,000 -44.2% 0.3%
GUARANTEED RATE, INC. $525,000 $375,000 -28.6% 0.3%
Peoples Bank $375,000 n/a 0.3%
ACADEMY MORTGAGE CORPORATION $275,000 $355,000 29.1% 0.3%
Discover Bank $100,000 $345,000 245.0% 0.3%
SUN WEST MORTGAGE COMPANY, INC. $345,000 n/a 0.3%
CRESCENT MORTGAGE COMPANY $415,000 $305,000 -26.5% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $455,000 $295,000 -35.2% 0.2%
Figure Lending LLC $95,000 $210,000 121.1% 0.2%
MANN FINANCIAL INC. $185,000 n/a 0.1%
GUARANTEED RATE AFFINITY, LLC $165,000 n/a 0.1%
Coastal Community Bank $160,000 n/a 0.1%
Flagstar Bank, FSB $740,000 $125,000 -83.1% 0.1%
NuVision Federal Credit Union $1,450,000 $125,000 -91.4% 0.1%
State Department Federal Credit Union $65,000 n/a 0.0%
Mr. Cooper ( Nationstar Mortgage ) $1,125,000 $45,000 -96.0% 0.0%

Juneau's top lender by overall market share is CORNERSTONE HOME LENDING, INC., with 18.1% market share. In second place, with 15.6%, is MOVEMENT MORTGAGE, LLC, having originated $20,690,000 in loans. In third place, with 8.9%, is RESIDENTIAL MORTGAGE, LLC, having originated $11,855,000 in loans. In fourth place, with 6.8%, is NEWREZ LLC, having originated $8,985,000 in loans. In fifth place, with 6.7%, is Alaska USA Federal Credit Union, having originated $8,945,000 in loans.


Juneau Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Juneau (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $349,450 (6.9%) $386,156 (3.5%) 0.00 91
2018-02-01 $325,000 (-10.7%) $383,185 (-4.4%) 0.00 85
2018-03-01 $339,500 (-9.4%) $396,615 (-2.0%) 0.00 85
2018-04-01 $338,475 (-13.2%) $386,851 (-3.3%) 0.00 96
2018-05-01 $366,500 (-8.3%) $400,060 (-9.4%) 0.00 110
2018-06-01 $359,500 (-8.0%) $401,961 (-5.9%) 0.00 107
2018-07-01 $358,000 (-4.8%) $394,099 (-6.3%) 0.00 108
2018-08-01 $362,225 (-2.6%) $394,538 (-4.2%) 0.00 111
2018-09-01 $349,950 (-5.2%) $377,474 (-3.1%) 0.00 103
2018-10-01 $380,425 (0.2%) $390,719 (-0.5%) 0.00 105
2018-11-01 $382,000 (7.0%) $400,451 (1.8%) 0.00 97
2018-12-01 $382,000 (14.4%) $391,957 (2.4%) 0.00 92
2019-01-01 $399,900 (14.4%) $403,685 (4.5%) 0.00 85
2019-02-01 $396,200 (21.9%) $394,439 (2.9%) 0.00 79
2019-03-01 $411,429 (21.2%) $404,786 (2.1%) 0.00 87
2019-04-01 $394,750 (16.6%) $397,519 (2.8%) 0.00 99
2019-05-01 $399,450 (9.0%) $403,950 (1.0%) 0.00 102
2019-06-01 $399,000 (11.0%) $413,614 (2.9%) 0.00 99
2019-07-01 $399,000 (11.5%) $415,595 (5.5%) 0.00 101
2019-08-01 $403,555 (11.4%) $421,138 (6.7%) 0.00 98
2019-09-01 $400,711 (14.5%) $409,395 (8.5%) 0.00 94
2019-10-01 $398,500 (4.8%) $401,365 (2.7%) 0.00 89
2019-11-01 $381,000 (-0.3%) $394,738 (-1.4%) 0.00 82
2019-12-01 $409,200 (7.1%) $395,517 (0.9%) 0.00 66
2020-01-01 $410,750 (2.7%) $393,029 (-2.6%) 0.00 56
2020-02-01 $407,000 (2.7%) $395,452 (0.3%) 0.00 58
2020-03-01 $407,450 (-1.0%) $393,749 (-2.7%) 0.00 50
2020-04-01 $408,325 (3.4%) $421,877 (6.1%) 0.00 53
2020-05-01 $429,900 (7.6%) $446,385 (10.5%) 0.00 62
2020-06-01 $428,475 (7.4%) $443,647 (7.3%) 0.00 65
2020-07-01 $423,225 (6.1%) $440,409 (6.0%) 0.00 57
2020-08-01 $439,000 (8.8%) $449,555 (6.8%) 0.00 53
2020-09-01 $443,425 (10.7%) $436,247 (6.6%) 0.00 50
2020-10-01 $444,900 (11.6%) $472,324 (17.7%) 0.00 43
2020-11-01 $449,900 (18.1%) $476,532 (20.7%) 0.00 33
2020-12-01 $446,150 (9.0%) $464,770 (17.5%) 0.00 35
2021-01-01 $442,400 (7.7%) $443,244 (12.8%) 0.00 35
2021-02-01 $446,150 (9.6%) $448,426 (13.4%) 0.00 31
2021-03-01 $437,000 (7.3%) $462,178 (17.4%) 0.00 28
2021-04-01 $417,450 (2.2%) $446,284 (5.8%) 0.00 28
2021-05-01 $414,500 (-3.6%) $453,507 (1.6%) 0.00 28
2021-06-01 $416,250 (-2.9%) $456,045 (2.8%) 0.00 37
2021-07-01 $423,000 (-0.1%) $456,624 (3.7%) 0.00 44
2021-08-01 $430,250 (-2.0%) $464,637 (3.4%) 0.00 34
2021-09-01 $453,000 (2.2%) $468,277 (7.3%) 0.00 40
2021-10-01 $405,000 (-9.0%) $446,312 (-5.5%) 0.00 41
2021-11-01 $474,900 (5.6%) $477,878 (0.3%) 0.00 37
2021-12-01 $441,150 (-1.1%) $496,062 (6.7%) 0.00 30
2022-01-01 $439,900 (-0.6%) $487,632 (10.0%) 0.00 22
2022-02-01 $433,250 (-2.9%) $445,257 (-0.7%) 0.00 20
2022-03-01 $435,975 (-0.2%) $470,984 (1.9%) 0.00 21
2022-04-01 $529,900 (26.9%) $596,683 (33.7%) 0.00 21
2022-05-01 $552,167 (33.2%) $590,298 (30.2%) 0.00 29
2022-06-01 $523,000 (25.7%) $544,044 (19.3%) 0.00 27
2022-07-01 $459,000 (8.5%) $538,688 (18.0%) 0.00 34
2022-08-01 $456,000 (6.0%) $526,239 (13.3%) 0.00 38
2022-09-01 $481,975 (6.4%) $525,539 (12.2%) 0.00 39
2022-10-01 $442,500 (9.3%) $487,982 (9.3%) 0.00 50
2022-11-01 $399,900 (-15.8%) $454,523 (-4.9%) 0.00 49
2022-12-01 $399,900 (-9.4%) $454,746 (-8.3%) 0.00 44
2023-01-01 $431,225 (-2.0%) $451,300 (-7.5%) 0.00 42
2023-02-01 $426,950 (-1.5%) $462,942 (4.0%) 0.00 37
2023-03-01 $409,950 (-6.0%) $479,394 (1.8%) 0.00 33
2023-04-01 $385,000 (-27.3%) $452,017 (-24.2%) 0.00 39
2023-05-01 $399,975 (-27.6%) $475,775 (-19.4%) 0.00 45
2023-06-01 $427,000 (-18.4%) $498,283 (-8.4%) 0.00 41
2023-07-01 $444,706 (-3.1%) $511,580 (-5.0%) 0.00 54
2023-08-01 $440,000 (-3.5%) $505,822 (-3.9%) 0.00 50
2023-09-01 $440,000 (-8.7%) $534,360 (1.7%) 0.00 58
2023-10-01 $440,000 (-0.6%) $474,965 (-2.7%) 0.00 59
2023-11-01 $440,000 (10.0%) $491,446 (8.1%) 0.00 57
2023-12-01 $440,000 (10.0%) $492,759 (8.4%) 0.00 53
2024-01-01 $440,000 (2.0%) $509,390 (12.9%) 0.00 43
2024-02-01 $440,000 (3.1%) $517,087 (11.7%) 0.00 44
2024-03-01 $496,750 (21.2%) $541,809 (13.0%) 0.00 33
2024-04-01 $505,750 (31.4%) $532,843 (17.9%) 0.00 45
2024-05-01 $450,000 (12.5%) $535,450 (12.5%) 0.00 47
2024-06-01 $485,000 (13.6%) $566,804 (13.8%) 0.00 54
2024-07-01 $502,375 (13.0%) $577,489 (12.9%) 0.00 59
2024-08-01 $529,950 (20.4%) $598,446 (18.3%) 0.00 64
2024-09-01 $501,963 (14.1%) $597,154 (11.8%) 0.00 65
Juneau's median listing price for 2024-09-01 was $501,963, a difference of $61,963 (14.1%) versus the prior year and $-27,987 versus the prior month.

Juneau's median listing price comes in at 0% of the national average.

Juneau's average listing price for 2024-09-01 was $597,154, a difference of $62,794 (11.8%) versus the prior year and $-1,292 versus the prior month.

For the 2024-09-01 period, Juneau had 65 MLS listings, a difference of 1 listings (2%) versus the prior month and 7 listings (12%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Juneau (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,614 sqft
2018-02-01 0 days 1,544 sqft
2018-03-01 0 days 1,542 sqft
2018-04-01 0 days 1,578 sqft
2018-05-01 0 days 1,622 sqft
2018-06-01 0 days 1,615 sqft
2018-07-01 0 days 1,592 sqft
2018-08-01 0 days 1,580 sqft
2018-09-01 0 days 1,489 sqft
2018-10-01 0 days 1,544 sqft
2018-11-01 0 days 1,586 sqft
2018-12-01 0 days 1,587 sqft
2019-01-01 0 days 1,639 sqft
2019-02-01 0 days 1,640 sqft
2019-03-01 0 days 1,632 sqft
2019-04-01 0 days 1,609 sqft
2019-05-01 0 days 1,748 sqft
2019-06-01 0 days 1,790 sqft
2019-07-01 0 days 1,814 sqft
2019-08-01 0 days 1,815 sqft
2019-09-01 0 days 1,812 sqft
2019-10-01 0 days 1,810 sqft
2019-11-01 0 days 1,674 sqft
2019-12-01 0 days 1,815 sqft
2020-01-01 0 days 1,692 sqft
2020-02-01 0 days 1,786 sqft
2020-03-01 0 days 1,773 sqft
2020-04-01 0 days 1,651 sqft
2020-05-01 0 days 1,760 sqft
2020-06-01 0 days 1,635 sqft
2020-07-01 0 days 1,594 sqft
2020-08-01 0 days 1,628 sqft
2020-09-01 0 days 1,577 sqft
2020-10-01 0 days 1,598 sqft
2020-11-01 0 days 1,614 sqft
2020-12-01 0 days 1,577 sqft
2021-01-01 0 days 1,577 sqft
2021-02-01 0 days 1,574 sqft
2021-03-01 0 days 1,610 sqft
2021-04-01 0 days 1,600 sqft
2021-05-01 0 days 1,618 sqft
2021-06-01 0 days 1,600 sqft
2021-07-01 0 days 1,600 sqft
2021-08-01 0 days 1,666 sqft
2021-09-01 0 days 1,600 sqft
2021-10-01 0 days 1,600 sqft
2021-11-01 0 days 1,614 sqft
2021-12-01 0 days 1,622 sqft
2022-01-01 0 days 1,600 sqft
2022-02-01 0 days 1,638 sqft
2022-03-01 0 days 1,604 sqft
2022-04-01 0 days 1,830 sqft
2022-05-01 0 days 1,800 sqft
2022-06-01 0 days 1,948 sqft
2022-07-01 0 days 1,653 sqft
2022-08-01 0 days 1,520 sqft
2022-09-01 0 days 1,602 sqft
2022-10-01 0 days 1,396 sqft
2022-11-01 0 days 1,332 sqft
2022-12-01 0 days 1,350 sqft
2023-01-01 0 days 1,376 sqft
2023-02-01 0 days 1,346 sqft
2023-03-01 0 days 1,260 sqft
2023-04-01 0 days 1,200 sqft
2023-05-01 0 days 1,355 sqft
2023-06-01 0 days 1,356 sqft
2023-07-01 0 days 1,579 sqft
2023-08-01 0 days 1,545 sqft
2023-09-01 0 days 1,600 sqft
2023-10-01 0 days 1,562 sqft
2023-11-01 0 days 1,581 sqft
2023-12-01 0 days 1,541 sqft
2024-01-01 0 days 1,600 sqft
2024-02-01 0 days 1,600 sqft
2024-03-01 0 days 1,610 sqft
2024-04-01 0 days 1,600 sqft
2024-05-01 0 days 1,600 sqft
2024-06-01 0 days 1,600 sqft
2024-07-01 0 days 1,602 sqft
2024-08-01 0 days 1,600 sqft
2024-09-01 0 days 1,600 sqft
Juneau's median listing age (time on market) for 2024-09-01 was 0 days.

Juneau's median square footage for active listings during the 2024-09-01 period was 1,600 sqft. One year prior, the average listing was 1,600 sqft.

Juneau, AK Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 289 $116,315,000 $402,474
Cash Out Refi 58 $8,340,000 $143,793
Home Improvement 28 $2,130,000 $76,071
Other 16 $1,910,000 $119,375
Refi 12 $4,230,000 $352,500

Juneau's most frequently cited loan purpose was Home Purchase, with 289 originations. The 2nd most popular reason was Cash Out Refi, with 58 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 192 $64,000,000 $333,333
5-6% 85 $32,535,000 $382,765
7-8% 67 $23,195,000 $346,194
Over 8% 40 $5,130,000 $128,250
4-5% 9 $3,245,000 $360,556
3-4% 3 $1,485,000 $495,000
<2.5% 3 $1,345,000 $448,333
2.5-3% 1 $525,000 $525,000

During 2023, Juneau's most frequently originated rate bucket was 6-7%, with 192 originations.

Loan Sizing (Juneau, AK MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 135 $42,635,000 $315,815
$400k-600k 118 $55,680,000 $471,864
$100,000 or less 60 $2,900,000 $48,333
$100k-200k 54 $7,640,000 $141,481
$600k-1000k 36 $24,070,000 $668,611

Juneau's loan sizing saw the bucket of loans from $200k-400k with 135 originations, totaling $42,635,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 166 $70,590,000 $425,241
60-80% 91 $32,775,000 $360,165
Under 20% 68 $3,890,000 $57,206
20-40% 26 $4,180,000 $160,769
40-60% 24 $6,690,000 $278,750
Over 100% 24 $12,890,000 $537,083

Juneau's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 166 originations, totaling $70,590,000 in origination value.