Juneau Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Juneau averaged
6.58%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.88% and
one month ago for the week of 2025-05-29, the
average rate was 6.6%.
Juneau's average rate one year ago was 6.97%.
For refis of the same type during the week of 2025-07-03, the average rate
was 7.17%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Juneau 30 Year Fixed Rate | 2025-07-03 | 6.58% |
| Juneau 30 Year Fixed Rate Refi | 2025-07-03 | 7.17% |
| Juneau 15 Year Fixed Rate | 2025-07-03 | 5.6% |
| Juneau 15 Year Fixed Rate Refi | 2025-07-03 | 5.8% |
| Juneau 30 Year FHA | 2025-07-03 | -0.1% |
| Juneau 30 Year FHA Refi | 2025-07-03 | 0.2% |
| Juneau 30 Year USDA | 2025-07-03 | -0.2% |
| Juneau 30 Year USDA Refi | 2025-07-03 | 0.1% |
| Juneau 30 Year VA | 2025-07-03 | -0.1% |
| Juneau 30 Year VA Refi | 2025-07-03 | 0.2% |
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.).
Juneau Average Closing Costs & Other Stats
Juneau, AK's 33 lenders originated 466
loans during 2024. The total origination value was $159,210,000, with an average loan value of
$341,652.
Juneau's average closing costs are $7,695.
The top Juneau lender as defined by loan originations is CORNERSTONE HOME LENDING, INC., with
64 loans originated. Their average total fees are
$10,047, which is $1,144
higher than the next largest lender,
MOVEMENT MORTGAGE, LLC.
The lowest fee Juneau lenders (with over 10 loans originated) are
Alaska USA Federal Credit Union ($4,318), NEWREZ LLC ($5,862), TRUE NORTH FEDERAL CREDIT UNION ($8,348), MOVEMENT MORTGAGE, LLC ($8,904) and CORNERSTONE HOME LENDING, INC. ($10,047).
The lowest rate Juneau lenders (with over 10 loans originated) are
CORNERSTONE HOME LENDING, INC. (6.44%), MOVEMENT MORTGAGE, LLC (6.45%), TRUE NORTH FEDERAL CREDIT UNION (6.51%), Alaska USA Federal Credit Union (6.77%) and NEWREZ LLC (6.84%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| CORNERSTONE HOME LENDING, INC. | $24,125,000 | $34,335,000 | 42.3% | 21.6% |
| MOVEMENT MORTGAGE, LLC | $20,690,000 | $21,895,000 | 5.8% | 13.8% |
| NEWREZ LLC | $8,985,000 | $18,605,000 | 107.1% | 11.7% |
| Alaska USA Federal Credit Union | $8,945,000 | $10,550,000 | 17.9% | 6.6% |
| TRUE NORTH FEDERAL CREDIT UNION | $6,695,000 | $10,170,000 | 51.9% | 6.4% |
| RESIDENTIAL MORTGAGE, LLC | $11,855,000 | $5,895,000 | -50.3% | 3.7% |
| LOANDEPOT.COM, LLC | $5,700,000 | n/a | 3.6% | |
| QUICKEN LOANS, LLC | $5,180,000 | $4,860,000 | -6.2% | 3.1% |
| NAVY FEDERAL CREDIT UNION | $4,295,000 | $3,795,000 | -11.6% | 2.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $4,660,000 | $3,430,000 | -26.4% | 2.2% |
| First National Bank Alaska | $1,590,000 | $3,130,000 | 96.9% | 2.0% |
| USAA Federal Savings Bank | $2,805,000 | $2,495,000 | -11.1% | 1.6% |
| Mortgage Research Center, LLC | $2,680,000 | $2,490,000 | -7.1% | 1.6% |
| The Loan Store, Inc. | $2,370,000 | n/a | 1.5% | |
| Community First National Bank | $1,555,000 | $2,125,000 | 36.7% | 1.3% |
| NuVision Federal Credit Union | $125,000 | $2,025,000 | 1,520.0% | 1.3% |
| GUARANTEED RATE, INC. | $375,000 | $1,710,000 | 356.0% | 1.1% |
| Bank of America | $1,540,000 | $1,595,000 | 3.6% | 1.0% |
| FREEDOM MORTGAGE CORPORATION | $940,000 | $1,480,000 | 57.4% | 0.9% |
| U.S. Bank | $605,000 | $1,480,000 | 144.6% | 0.9% |
| Mr. Cooper ( Nationstar Mortgage ) | $45,000 | $1,475,000 | 3,177.8% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $6,645,000 | $1,305,000 | -80.4% | 0.8% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,135,000 | n/a | 0.7% | |
| Wells Fargo Bank | $2,435,000 | $1,135,000 | -53.4% | 0.7% |
| Morgan Stanley Private Bank | $1,100,000 | n/a | 0.7% | |
| BETTER MORTGAGE CORPORATION | $510,000 | $1,005,000 | 97.1% | 0.6% |
| CMG MORTGAGE, INC. | $385,000 | $810,000 | 110.4% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $770,000 | n/a | 0.5% | |
| Toyota Financial Savings Bank | $705,000 | $755,000 | 7.1% | 0.5% |
| Sierra Pacific Mortgage Company, Inc. | $655,000 | n/a | 0.4% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $645,000 | n/a | 0.4% | |
| BROKER SOLUTIONS, INC. | $635,000 | n/a | 0.4% | |
| Paramount Residential Mortgage Group, Inc. | $625,000 | $635,000 | 1.6% | 0.4% |
| Stride Bank | $615,000 | $625,000 | 1.6% | 0.4% |
| Flagstar Bank, FSB | $125,000 | $560,000 | 348.0% | 0.4% |
| ZILLOW HOME LOANS, LLC | $545,000 | n/a | 0.3% | |
| KeyBank | $435,000 | $530,000 | 21.8% | 0.3% |
| North American Savings Bank, F.S.B. | $525,000 | n/a | 0.3% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $295,000 | $445,000 | 50.8% | 0.3% |
| ALLIANT CREDIT UNION | $435,000 | n/a | 0.3% | |
| AMERICAN FINANCING CORPORATION | $425,000 | n/a | 0.3% | |
| Magnolia Bank | $415,000 | n/a | 0.3% | |
| UBS Bank USA | $385,000 | n/a | 0.2% | |
| RESIDENTIAL BANCORP | $375,000 | n/a | 0.2% | |
| AMERICAN FINANCIAL NETWORK, INC. | $335,000 | n/a | 0.2% | |
| Coastal Community Bank | $160,000 | $240,000 | 50.0% | 0.2% |
| LENDSURE MORTGAGE CORP. | $235,000 | n/a | 0.1% | |
| Ally Bank | $205,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $180,000 | n/a | 0.1% | |
| Discover Bank | $345,000 | $155,000 | -55.1% | 0.1% |
| CREDIT UNION 1 | $125,000 | n/a | 0.1% | |
| Bank-Fund Staff Federal Credit Union | $105,000 | n/a | 0.1% | |
| City National Bank | $105,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $405,000 | $65,000 | -84.0% | 0.0% |
Juneau's top lender by overall market share is CORNERSTONE HOME LENDING, INC., with 21.6% market share. In second place, with 13.8%, is MOVEMENT MORTGAGE, LLC, having originated $21,895,000 in loans. In third place, with 11.7%, is NEWREZ LLC, having originated $18,605,000 in loans. In fourth place, with 6.6%, is Alaska USA Federal Credit Union, having originated $10,550,000 in loans. In fifth place, with 6.4%, is TRUE NORTH FEDERAL CREDIT UNION, having originated $10,170,000 in loans.
Juneau, AK Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 303 | $125,755,000 | $415,033 |
| Cash Out Refi | 62 | $11,000,000 | $177,419 |
| Refi | 40 | $15,390,000 | $384,750 |
| Other | 36 | $4,120,000 | $114,444 |
| Home Improvement | 25 | $2,945,000 | $117,800 |
Juneau's most frequently cited loan purpose was Home Purchase, with 303 originations. The 2nd most popular reason was Cash Out Refi, with 62 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 235 | $92,275,000 | $392,660 |
| 7-8% | 83 | $26,445,000 | $318,614 |
| 5-6% | 80 | $28,470,000 | $355,875 |
| Over 8% | 58 | $7,790,000 | $134,310 |
| <2.5% | 2 | $960,000 | $480,000 |
| 4-5% | 1 | $405,000 | $405,000 |
| 3-4% | 1 | $365,000 | $365,000 |
| 2.5-3% | 1 | $375,000 | $375,000 |
During 2024, Juneau's most frequently originated rate bucket was 6-7%, with 235 originations.
Loan Sizing (Juneau, AK MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 165 | $50,965,000 | $308,879 |
| $400k-600k | 134 | $64,080,000 | $478,209 |
| $100,000 or less | 66 | $4,140,000 | $62,727 |
| $100k-200k | 55 | $7,615,000 | $138,455 |
| $600k-1000k | 45 | $31,145,000 | $692,111 |
| $Over $1MM | 1 | $1,265,000 | $1,265,000 |
Juneau's loan sizing saw the bucket of loans from $200k-400k with 165 originations, totaling $50,965,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 196 | $88,610,000 | $452,092 |
| 60-80% | 103 | $39,405,000 | $382,573 |
| Under 20% | 73 | $5,515,000 | $75,548 |
| 20-40% | 39 | $6,905,000 | $177,051 |
| 40-60% | 31 | $8,395,000 | $270,806 |
| Over 100% | 12 | $5,770,000 | $480,833 |
Juneau's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 196 originations, totaling $88,610,000 in origination value.