Top Mortgage Lenders in the Badger, AK area

Which mortgage lender in the Badger, AK area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Badger, AK area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Badger, AK area is Alaska USA Mortgage Company, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.06%. This means that Alaska USA Mortgage Company provided a -0.06% lower interest rate for its customers than other lenders in Badger, AK for a similar set of borrowers. Alaska USA Mortgage Company has a market share of 32.5%. It is also the most popular lender in the area.

Our detailed rankings of the mortgage lenders for the Badger, AK area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Badger, AK is Alaska USA Mortgage Company. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Alaska USA Mortgage Company. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Residential Mortgage. The cheapest VA mortgage provider is Caliber Home Loans Inc. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Alaska USA Mortgage Company 1, -0.06% 32.52%
Caliber Home Loans Inc 2, -0.04% 5.08%
Crescent Mortgage Company 3, -0.02% 3.60%
Wells Fargo Bank 4, -0.02% 4.66%
Usaa Federal Savings Bank 5, 0.01% 9.64%
Residential Mortgage 6, 0.01% 20.02%
Guild Mortgage Company 7, 0.05% 12.08%
Quicken Loans 8, 0.11% 12.39%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Alaska USA Mortgage Company 1, -0.05% 35.37%
Caliber Home Loans Inc 2, -0.03% 6.26%
Crescent Mortgage Company 3, -0.01% 4.22%
Wells Fargo Bank 4, 0.01% 3.95%
Usaa Federal Savings Bank 5, 0.01% 11.02%
Residential Mortgage 6, 0.02% 23.40%
Quicken Loans 7, 0.09% 3.40%
Guild Mortgage Company 8, 0.10% 12.38%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guild Mortgage Company 1, -0.13% 11.00%
Alaska USA Mortgage Company 2, -0.08% 22.49%
Wells Fargo Bank 3, -0.07% 7.18%
Residential Mortgage 4, -0.06% 8.13%
Crescent Mortgage Company 5, -0.03% 1.44%
Caliber Home Loans Inc 6, -0.03% 0.96%
Usaa Federal Savings Bank 7, -0.02% 4.78%
Quicken Loans 8, 0.10% 44.02%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Alaska USA Mortgage Company 1, -0.06% 40.00%
Residential Mortgage 2, -0.05% 20.00%
Wells Fargo Bank 3, -0.02% 8.14%
Crescent Mortgage Company 4, 0.03% 3.02%
Usaa Federal Savings Bank 5, 0.03% 1.86%
Caliber Home Loans Inc 6, 0.04% 3.26%
Guild Mortgage Company 7, 0.07% 6.05%
Quicken Loans 8, 0.16% 17.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Alaska USA Mortgage Company 1, -0.03% 47.18%
Residential Mortgage 2, -0.02% 24.92%
Wells Fargo Bank 3, 0.02% 6.64%
Usaa Federal Savings Bank 4, 0.06% 1.99%
Crescent Mortgage Company 5, 0.06% 3.32%
Caliber Home Loans Inc 6, 0.07% 4.32%
Guild Mortgage Company 7, 0.11% 7.31%
Quicken Loans 8, 0.14% 4.32%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Alaska USA Mortgage Company 1, -0.13% 23.26%
Residential Mortgage 2, -0.11% 8.53%
Wells Fargo Bank 3, -0.09% 11.63%
Guild Mortgage Company 4, -0.08% 3.10%
Crescent Mortgage Company 5, -0.06% 2.33%
Caliber Home Loans Inc 6, -0.05% 0.78%
Usaa Federal Savings Bank 7, -0.04% 1.55%
Quicken Loans 8, 0.11% 48.84%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Residential Mortgage 1, -0.04% 23.81%
Alaska USA Mortgage Company 2, -0.02% 34.29%
Caliber Home Loans Inc 3, 0.00% 2.86%
Crescent Mortgage Company 4, 0.00% 5.71%
Wells Fargo Bank 5, 0.00% 0.95%
Quicken Loans 6, 0.03% 14.29%
Guild Mortgage Company 7, 0.08% 18.10%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Residential Mortgage 1, -0.04% 27.17%
Alaska USA Mortgage Company 2, -0.02% 35.87%
Caliber Home Loans Inc 3, 0.00% 3.26%
Crescent Mortgage Company 4, 0.00% 6.52%
Wells Fargo Bank 5, 0.01% 1.09%
Quicken Loans 6, 0.03% 5.43%
Guild Mortgage Company 7, 0.08% 20.65%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Alaska USA Mortgage Company 1, -0.02% 23.08%
Quicken Loans 2, 0.01% 76.92%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Alaska USA Mortgage Company 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Alaska USA Mortgage Company 1, 0.00% 100.00%
Insufficient data available.
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.08% 7.60%
Alaska USA Mortgage Company 2, -0.07% 24.02%
Crescent Mortgage Company 3, -0.06% 3.68%
Usaa Federal Savings Bank 4, -0.00% 20.34%
Wells Fargo Bank 5, 0.01% 1.96%
Guild Mortgage Company 6, 0.03% 16.91%
Quicken Loans 7, 0.04% 6.37%
Residential Mortgage 8, 0.09% 19.12%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.09% 8.80%
Alaska USA Mortgage Company 2, -0.08% 24.63%
Crescent Mortgage Company 3, -0.07% 4.40%
Usaa Federal Savings Bank 4, -0.01% 21.99%
Wells Fargo Bank 5, 0.00% 2.35%
Quicken Loans 6, 0.05% 2.05%
Guild Mortgage Company 7, 0.08% 14.66%
Residential Mortgage 8, 0.09% 21.11%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guild Mortgage Company 1, -0.09% 28.36%
Alaska USA Mortgage Company 2, 0.00% 20.90%
Caliber Home Loans Inc 3, 0.02% 1.49%
Usaa Federal Savings Bank 4, 0.03% 11.94%
Residential Mortgage 5, 0.03% 8.96%
Quicken Loans 6, 0.07% 28.36%

* Data is compiled for the Badger, AK commuting zone area, which comprises of counties of Denali Borough, AK, Fairbanks North Star Borough, AK, and Yukon-Koyukuk Census Area, AK. This includes cities/towns/communities of Badger, AK as well as Fairbanks, AK, College, AK, Pleasant Valley, AK, Ester, AK, Harding-Birch Lakes, AK, Ferry, AK, Chena Ridge, AK, Salcha, AK, and Manley Hot Springs, AK. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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