Mortgage lending in Fairbanks North Star Borough
1,635 mortgages were originated in Fairbanks North Star Borough, Alaska, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,635
- Median rate
- 6.375%
- Median lender fees
- $6,661
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $295,000
- Above the going rate (spread over APOR)
- 0.093
- Paid discount points
- 46.8%
- Received lender credits
- 23.9%
- Purchases / refinances
- 67.8% / 21.6%
- Conventional / FHA / VA
- 53% / 12.3% / 34.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 72.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,249,125
- FHA limit
- $541,287
- Median home price
- $335,000
- That home, 20% down
- $268,000
A median-priced home with 20% down leaves $981,125 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $1,249,125 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Fairbanks North Star Borough, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Newrez LLC | 327 | $7,761 | 6.250% |
| Global Federal Credit Union | 182 | $5,139 | 6.500% |
| Mt. McKinley Bank | 132 | — | — |
| Mortgage Research Center, LLC | 113 | $7,222 | 6.250% |
| Denali State Bank | 107 | — | — |
| Residential Mortgage, LLC | 97 | $7,768 | 6.250% |
| Rocket Mortgage, LLC | 79 | $5,855 | 6.990% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in Fairbanks North Star Borough — not a rule of thumb.
From 1,179 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers