Purchase Originations
101
Median Total Costs
$7,050
+5.5% vs national ($6,680)
↓ $92 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$4,488
Median Lender Credits
$586
Denial Rate
8.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 86 | 6.375% | $6,901 | $4,594 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Alaska | 101 | 6.250% | $7,050 | #12 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,058 | 6.500% | — | 1 | −$3,992 | |
| 2 | $4,773 | 6.120% | — | 2 | −$2,277 | |
| 3 | $6,093 | 6.062% | — | 4 | −$957 | |
| 4 | $6,581 | 6.500% | — | 4 | −$469 | |
| 5 | $6,747 | 6.750% | — | 1 | −$303 | |
| 6 | $6,757 | 6.125% | — | 25 | −$293 | |
| 7 | $6,868 | 6.125% | — | 3 | −$182 | |
| 8 | $6,923 | 6.312% | — | 18 | −$127 | |
| 9 | $7,042 | 5.500% | — | 1 | −$8 | |
| 10 | $7,225 | 6.000% | — | 4 | +$175 | |
| 11 | $7,683 | 6.375% | — | 31 | +$633 | |
| 12 | $8,083 | 6.312% | — | 2 | +$1,033 | |
| 13 | $8,935 | 6.000% | — | 3 | +$1,885 | |
| 14 | $18,379 | 6.125% | — | 2 | +$11,329 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | First National Bank Alaska | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $7,050 | $7,127 | −$77 (−1.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.