DSCR Loans in Alaska
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
Dominick Prevete arranges DSCR loans across Alaska, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. In 2025 HMDA data, 91 lenders made 631 investment-property loans in Alaska; the most active are in the table below, and 2 counties have their own page.
Alaska investor market at a glance
| Statistic | Alaska | National | State rank |
|---|---|---|---|
| Investor loans | 631 | 553,332 | 51st of 51 |
| Reporting lenders | 91 | 4,120 | 51st of 51 |
| Loan volume | $194.3M | $190.57B | 51st of 51 |
| Average loan | $308K | $344K | 24th of 51 |
| Median loan | $285K | — | 17th of 51 |
| Purchases | 61.8% | 59.2% | 21st of 51 |
| Cash-out refinances | 21.1% | 18.8% | 12th of 51 |
| 2–4 unit properties | 34.4% | 17.3% | 9th of 51 |
| Top five lenders' share | 37.9% | 21.9% | 2nd of 51 |
| Reported business-purpose | 59.1% | 70.8% | 43rd of 51 |
Alaska: closed-end loans on 1–4 unit investment properties. Rank is highest first among the 50 states and DC. The national figures are totals for loans and volume, distinct filers for lenders, and loan-weighted averages for every share; a median does not combine across states.
What stands out in Alaska
The five most active lenders wrote 37.9% of Alaska's investor loans, the 2nd-highest share of the 50 states and DC (national figure: 21.9%).
Five lenders write 37.9% of the loans here, so comparing written term sheets matters more.
34.4% of Alaska's investor loans financed a 2–4 unit property, the 9th-highest share of the 50 states and DC (national figure: 17.3%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
59.1% of Alaska's investor loans were reported as business-purpose, the 9th-lowest share of the 50 states and DC (national figure: 70.8%).
Fewer investor loans here were reported as business-purpose than in most of the 50 states and DC. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
Who are the DSCR and investment-property lenders in Alaska?
The most active investment-property lenders in Alaska in 2025 HMDA data were RESIDENTIAL MORTGAGE, LLC; Global Federal Credit Union; and THE LOAN STORE, INC., out of 91 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including several that reported in Alaska, and matches each file to the one most likely to fund it.
Every year, lenders report their originations under the Home Mortgage Disclosure Act. We filtered Alaska's 2025 filings to closed-end loans on 1–4 unit investment properties: 631 loans totaling $0.19B across 91 lenders. These were the most active.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| RESIDENTIAL MORTGAGE, LLC | 58 | $16.2M | $279K | 69.0% |
| Global Federal Credit Union | 53 | $13.1M | $247K | 60.4% |
| THE LOAN STORE, INC. | 50 | $18.0M | $360K | 80.0% |
| First National Bank Alaska | 39 | $14.5M | $372K | 76.9% |
| CONVENTUS LLC | 39 | $12.2M | $313K | 84.6% |
| Rocket Mortgage, LLC | 36 | $9.9M | $274K | 41.7% |
| NEWREZ LLC | 35 | $12.9M | $368K | 80.0% |
| Denali State Bank | 20 | $3.6M | $180K | 45.0% |
| United Wholesale Mortgage | 17 | $6.3M | $373K | 23.5% |
| GUARANTEED RATE, INC. | 13 | $5.0M | $384K | 69.2% |
| Wells Fargo Bank, National Association | 13 | $3.3M | $254K | 61.5% |
| CORNERSTONE CAPITAL BANK, SSB | 12 | $3.0M | $253K | 83.3% |
| KIND LENDING, LLC | 11 | $3.2M | $288K | 27.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | $4.0M | $439K | 88.9% |
| MOVEMENT MORTGAGE, LLC | 9 | $2.5M | $283K | 77.8% |
| CHAMPIONS FUNDING, LLC | 8 | $5.1M | $643K | 50.0% |
| NEXERA HOLDING LLC | 8 | $2.9M | $363K | 25.0% |
| Mt. McKinley Bank | 8 | $2.3M | $291K | 75.0% |
| CANOPY MORTGAGE, LLC | 8 | $1.9M | $238K | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 7 | $2.5M | $359K | 57.1% |
| Loandepot.Com, LLC | 7 | $2.1M | $302K | 85.7% |
| Kiavi Funding, Inc. | 7 | $1.8M | $261K | 85.7% |
| Loan Funder LLC | 6 | $2.3M | $380K | 33.3% |
| OCMBC, INC. | 6 | $1.8M | $303K | 50.0% |
| MATANUSKA VALLEY FEDERAL CREDIT UNION | 6 | $1.3M | $223K | 33.3% |
Source: 2025 HMDA loan-level data (CFPB/FFIEC Data Browser), retrieved November 11, 2026. Updated annually. See how this data is built or download the full dataset (CSV) — all 91 reporting lenders with every underlying figure. Researching the market rather than financing a property? The Alaska lending data page covers this table on its own.
What this table can't show you: fit. HMDA exempts short-term financing, so fix-and-flip and bridge lenders barely appear here — and no federal dataset knows which lender's guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
DSCR loans by county in Alaska
Each county page compares the county's 2025 HMDA investor-lending figures with Alaska's and names its most active lenders. Counties are listed by investor loan count.
2 Alaska counties have their own page so far.
- Anchorage Municipality280 loans
- Matanuska-Susitna Borough124 loans
- Fairbanks North Star Borough (fewer than 100 investor loans in 2025)83 loans
- Kenai Peninsula Borough (fewer than 100 investor loans in 2025)82 loans
- Juneau City and Borough (fewer than 100 investor loans in 2025)12 loans
- Ketchikan Gateway Borough (fewer than 100 investor loans in 2025)9 loans
- Chugach Census Area (fewer than 100 investor loans in 2025)7 loans
- Southeast Fairbanks Census Area (fewer than 100 investor loans in 2025)7 loans
- Kodiak Island Borough (fewer than 100 investor loans in 2025)5 loans
- Bethel Census Area (fewer than 100 investor loans in 2025)3 loans
- Haines Borough (fewer than 100 investor loans in 2025)3 loans
- Nome Census Area (fewer than 100 investor loans in 2025)3 loans
- Petersburg Borough (fewer than 100 investor loans in 2025)3 loans
- Sitka City and Borough (fewer than 100 investor loans in 2025)3 loans
- Copper River Census Area (fewer than 100 investor loans in 2025)2 loans
- Aleutians West Census Area (fewer than 100 investor loans in 2025)1 loans
- Hoonah-Angoon Census Area (fewer than 100 investor loans in 2025)1 loans
- North Slope Borough (fewer than 100 investor loans in 2025)1 loans
- Northwest Arctic Borough (fewer than 100 investor loans in 2025)1 loans
- Skagway Municipality (fewer than 100 investor loans in 2025)1 loans
Run the coverage test on your Alaska deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Alaska property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Alaska's at-a-glance figures, its rank among the 50 states and DC, its observations and the Quick Read's 91 lenders and 631 loans: 2025 HMDA loan-level data.
- Alaska investor-lender dataset (CSV) — Every Alaska lender behind the table above, with volume, average loan and purchase share for each.
- Alaska investor lending data, Dominick Prevete — The Alaska table on its own, with the state's concentration figures and the method behind them.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.