Safe Rate Rankings

Best Conventional Mortgage Lenders in Anchorage

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders54

Total Loans4,795

Median Rate Spread0.13%

Anchorage Market Insights

Global Federal Credit Union is Safe Rate's top-ranked Conventional lender in Anchorage, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Anchorage, Navy Federal Credit Union and Nbkc Bank scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #3 in Anchorage, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Anchorage: Rocket Mortgage (#5) and Residential Mortgage (#2).

Explore Rankings by Type

Overall Rankings

All lenders in Anchorage

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Global Federal Credit Union Credit UnionDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,710Fees	0.038%Above	674
2	RESIDENTIAL MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$3,050Fees	0.033%Above	1,032
3	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$3,473Fees	0.130%Above	230
4	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Sound	$767Fees	0.622%Below	59
5	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$4,417Fees	0.301%Above	261
6	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,251Fees	0.080%Above	182
7	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$4,638Fees	0.309%Above	85
8	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$2,751Fees	0.129%Above	54
9	NBKC BANK BankDirect	Strong	Exceptional	Strong	Sound	Sound	$1,125Fees	0.179%Below	35
10	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Exceptional	$2,772Fees	0.295%Above	410
11	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,962Fees	0.068%Above	123
12	KeyBank National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$2,848Fees	0.176%Above	16
13	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$5,224Fees	0.130%Below	123
14	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,059Fees	0.114%Above	91
15	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,181Fees	0.169%Above	46
16	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$4,422Fees	0.093%Below	60
17	Premia Mortgage, LLC DBA Premia Relocation Mortgage Independent Mortgage CompanyDirect	Strong	Exceptional	Strong	Sound	Sound	$571Fees	0.162%Below	13
18	CREDIT UNION 1 Credit Union Credit UnionDirect	Strong	Exceptional	Sound	Sound	Strong	$2,723Fees	0.220%Below	79
19	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,580Fees	0.121%Above	40
20	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$4,711Fees	0.216%Above	29
21	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,551Fees	0.172%Above	22
22	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Sound	$2,143Fees	0.347%Below	35
23	Plains Commerce Bank BankWholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$3,827Fees	0.223%Above	31
24	PRIMARY RESIDENTIAL MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Strong	$4,445Fees	0.141%Above	78
25	CANOPY MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Strong	$4,654Fees	0.016%Above	81
26	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$3,442Fees	0.304%Above	21
27	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Sound	Sound*	Exceptional	Strong	Sound	$4,941Fees	0.075%Above	15
28	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$4,097Fees	0.266%Above	11
29	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$484Credit	0.535%Above	190
30	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$3,264Fees	0.427%Above	24
31	NuVision Federal Credit Union Credit UnionDirect	Sound	Strong	Sound	Sound	Strong	$3,202Fees	0.076%Below	58
32	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Sound	$5,258Fees	0.124%Below	55
33	HOMEOWNERS FINANCIAL GROUP USA, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	Sound	$4,028Fees	0.039%Below	38
34	GENEVA FINANCIAL, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Sound	$5,601Fees	0.296%Above	30
35	CHURCHILL MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$4,943Fees	0.405%Above	25
36	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$2,792Fees	0.286%Above	24
37	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$4,287Fees	0.384%Above	24
38	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$2,648Fees	0.327%Above	16
39	USAA Federal Savings Bank BankDirect	Sound	Sound	Strong	Acceptable	Sound	$1,853Fees	0.255%Below	53
40	MEMBER FIRST MORTGAGE, LLC Independent Mortgage CompanyWholesale	Sound	Sound*	Strong	Sound	Sound	$2,991Fees	0.219%Above	14
41	First National Bank Alaska BankDirect	Sound	Acceptable	Sound	Sound	Strong	$4,829Fees	0.017%Below	82
42	ZILLOW HOME LOANS, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Sound	$2,854Fees	0.446%Above	13
43	MATANUSKA VALLEY FEDERAL CREDIT UNION Credit UnionDirect	Sound	Acceptable	Acceptable	Acceptable	Strong	$2,127Fees	0.488%Above	43
44	MISSION LOANS, LLC Independent Mortgage CompanyDirect	Sound	—	Sound	Acceptable	Sound	$1,673Fees	1.315%Above	19
45	AMERISAVE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Acceptable	Mediocre	Strong	Acceptable	Sound	$2,988Fees	0.639%Above	11

❓ Frequently Asked Questions

How are mortgage lenders ranked in Anchorage, AK?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Anchorage, AK), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Anchorage, AK?+

Based on 2024 HMDA data, 54 lenders originated a combined 4,795 loans in Anchorage, AK. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Anchorage, AK?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Anchorage, AK is 0.13%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Anchorage, AK's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.