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Options for submitting completed and signed forms:

  • Fax: (907) 458-4248
  • Mail: PO Box 74568, Fairbanks, AK 99707-4568
  • Or, drop the form off at one of our branches.


Denali State Bank has a proven record of bringing quality, local lending experience and an established culture of customer service to mortgage lending.

Our team will guide you through the mortgage process in the relaxed atmosphere that only a hometown lender can provide. Which makes it easier—and quicker to get into the home you want.

Wherever you are in your life and however you earn your living, we have a have a home loan or mortgage product that can fit, including VA, FHA and Rural Development loans, mortgages for self-employed buyers, first-time buyers and home builders. What’s more, Denali State Bank has the ability to reduce closing costs and pass the savings on to you, so you don’t have to pass up a home improvement project along the way.

Get Started:

Visit us at our lending resource site to meet our team, use our mortgage calculator and even apply for a home loan online. Want to meet in person? We’re located at 119 North Cushman Street in downtown Fairbanks, and can also be reached at 458.4202.

Apply Now

Consumer Loans

Denali State Bank offers a variety of consumer loans for personal products and services. Whether you want to finance a new or used vehicle, or gear up for the season with a new recreational vehicle—our friendly staff will assist you with all your financial needs. Start by downloading a printable application or contact one of our convenient locations.

Consumer Real Estate Loans

A consumer loan may also be secured with the equity in your home. Our staff will help you decide on the home equity loan that is right for you!

Home Equity Line of Credit (HELOC)

A variable rate, revolving line of credit based on the equity in your primary residence. Lines of Credit offer you flexibility. You may use your line of credit for anything you want, whenever you want! Purchase a new car, take a dream vacation, pay college tuition or start those home improvements you have been putting off. We finance up to 80% of the value less your first mortgage balance. You will not pay finance charges until you access your credit line. Payments are due on the 15th of each month and are 1.5% of the outstanding balance, plus interest or $75 whichever is greater. Draws on the line of credit are available for a 10-year period. Contact us for more details.   Ready to get things started?  Download our printable application today!

Home Equity Fixed Rate Loan

A fixed rate loan for a specific purpose granted for a set period of time based on the equity in your home. You will have a fixed monthly payment. We offer terms up to 120 months and finance up to 80% of the value less your first mortgage balance.  Please call us if you have questions, or you may also download a printable application to get your process started.

Deposit customers choosing "Auto Pay" from their Denali State Bank account receive a 1/4% rate reduction on their consumer loans!  (Excludes Home Equity Line of Credit & CD Secured Loans)

Commercial Loans

Our lending team has over 100 years of combined experience in commercial lending.
Choose from a variety of business loans including auto, equipment, real estate, term and SBA loans.  We want you to take advantage of our knowledge and expertise.  Lending decisions are made by the people who know and understand your business.  We offer you:

  • local loan decisions
  • competitive rates
  • quick approval time

We would love to talk with you about your business goals. We provide many different types of business financing.  You can finance the purchase of new and used autos, equipment or other capital assets for your business.  Our knowledgeable loan officers will work with you to find the best type of financing to fit your business needs.  Get a first or second business mortgage and use the money to grow your business, or choose from unsecured and secured options to get the financing your business needs.

Here are a few things to bring in to prepare for your appointment with one of our Commercial Lenders.

Prepare for Your Appointment

Please bring the following: 

  • Completed application Download and print application form
  • Copy of business license or corporate documents
  • Last three years of business federal tax returns for proposed borrower
  • Last three years of business financial statements (balance sheet / profit and loss statement) for proposed borrower
  • Personal financial statement and three years of individual tax returns
  • Additional information may be required to complete your loan request.

Be sure to check out our Frequently Asked Questions or better yet, stop by our Main Office and meet the most experienced lending team in Fairbanks.

Construction Loans

A leader in providing quality financing for home construction in Interior Alaska, Denali State Bank is dedicated to getting you the answers you need, when you need them.  

Arctic climates require unique construction techniques as well as knowledgeable lenders.  Trust the professional construction lenders at Denali State Bank to see you through every phase of your unique construction project.  Whether you are a seasoned expert or a first-time home builder, you can rely on Denali State Bank to help meet your financing needs.

Take a moment to read our Frequently Asked Questions below and discover the answers to questions you and other borrowers are asking.  Or check out our Construction Links to find information specifically related to building and/or financing in Interior Alaska.  Still have questions?  Call or email our friendly staff and ask how Denali State Bank can assist in making your dream home a reality.   

We offer you:

  • local loan decisions
  • competitive rates
  • quick approval time

We invite you to drop by and meet our experienced lending team or contact us at your convenience.

Frequently Asked Questions

Q: How do I apply for a construction loan?

A: There are several ways to apply for a construction loan.

  • If you are applying for a residential construction loan you can apply online by clicking on our lending resource site.
  • You may also apply in person by visiting any of our locations.

Q: What are the interest rates and terms available?

A: Denali State Bank offers competitive construction loan rates and terms that vary with each individual request. Please call 907.458.4223 for specific rate and term information.

Q: What do I need to get started?

A: Compile estimates for the entirety of your construction project.  Additional information may be required for final credit decision.  Click here to contact a lender for more details.

Q: When should I apply?

A: Apply before the building season begins to allow sufficient time for appraisals, verifications and other procedures to be completed.  Consult your lender for specific time frames.  Click here to contact a lender.

Q: How long will it take to get my loan?

A: All loan decisions are made right here in Fairbanks so we offer a fast turnaround time.

Construction Links

Our team of experienced lenders can help you with making informed decisions throughout your construction project.  Below are some links relating to construction and financing in Interior Alaska.

Apply Now