Alaska · Q1 2026
What Alaska borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 148 lenders.
Published 2026-04-29.
Alaska · headline
The gap between Alaska's lowest- and highest-cost ranked lenders in 2025 was $5,712 on a typical loan — borrowers using Cornerstone Capital Bank, SSB paid roughly 134% more than borrowers using Global Federal Credit Union on similar loans.
Source: FFIEC HMDA 2025 (n=8,864)
In 2025, 148 mortgage lenders originated 8,864 reportable loans in Alaska according to FFIEC HMDA data. The median borrower paid $6,783 in total loan costs. That is 59.9% above the national median across all 50 states and DC.
Alaska's median total loan cost was $6,783, 59.9% above the national median of $4,242. On a typical loan, that translates to roughly $2,541 more than borrowers paid in the average state.
Global Federal Credit Union posted the lowest median total loan costs at $4,272, 37.0% below the Alaska median. Across the ranked lenders, 7 earned an A grade against peer averages and 3 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Alaska are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Global Federal Credit Union | $4,272 | $850 | 1,169 | A |
| 2 | Newrez | $7,126 | $2,447 | 950 | B |
| 3 | Rocket Mortgage | $5,932 | $3,516 | 776 | A |
| 4 | Residential Mortgage, LLC | $7,065 | $2,319 | 685 | A |
| 5 | Mortgage Research Center, LLC | $7,004 | $2,875 | 446 | A |
| 6 | United Wholesale Mortgage | $8,607 | $3,709 | 366 | C |
| 7 | The Loan Store, Inc. | $6,742 | $2,797 | 314 | A |
| 8 | Cornerstone Capital Bank, SSB | $9,984 | $4,938 | 232 | F |
| 9 | Primelending, A Plainscapital Company | $9,790 | $5,728 | 222 | D |
| 10 | Movement Mortgage | $9,403 | $4,670 | 215 | D |
Alaska median total loan cost
Alaska borrowers paid a median $6,783 in total loan costs in 2025, based on 8,864 HMDA-reported loans across 148 lenders.
FFIEC HMDA 2025
Lender spread in Alaska
In Alaska, the gap between Global Federal Credit Union ($4,272 median) and Cornerstone Capital Bank, SSB ($9,984 median) was $5,712 on a typical 2025 loan.
FFIEC HMDA 2025
Alaska vs. national
Alaska closing costs ran 59.9% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Alaska was $2,969, with the typical lender clustering tightly around that figure. Discount points appeared on 63% of loans, with a median paid amount of $2,779 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 30% of loans, with a median credit of $438.
Avg $4,469
Median $2,779 when present
Median $438 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Alaska) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Alaska
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