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Mortgage & Consumer Loans

Home Loans Made Easy
Get started with online mortgage tools & applications!

Want face-to-face time?  You can download & print your own application here, then call us at 458-4202 for a personal appointment.

When you live in a place as unique as Fairbanks, having a connection you can relate to means a lot.

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.

Available Financing Options Include:
• Conventional Financing
• Physician Loans
• Wet/Dry Cabin Loans
• Recreational Properties
• Alaska Housing Finance Corporation

Visit us!
We’re located at 119 North Cushman Street in downtown Fairbanks, and can also be reached at 458.4202.

Whether you plan to buy a car, ATV or airplane, or to pay medical expenses, take a vacation or want to consolidate debt into a single payment, Denali State Bank is here to help with all of your personal lending needs.


Discount for Qualifying Loans: Deposit customers can choose “Auto Pay” and receive a ¼% rate reduction on consumer loan rates!

Consumer Loans

We offer loans for nearly every personal borrowing need, including:
• New and Used Vehicles
• Airplanes
• Motorhomes & Travel Trailers
• Motorcycles
• Boat/Trailer Package
• Snow Machines and ATVs
• Miscellaneous

Apply for a Consumer Loan

Home Equity Line of Credit (HELOC)

If you own your home, you may be able to finance important purchases such as home
improvements, a new vehicle, or a child’s college education by using a portion of your
home’s equity.

Apply for a HELOC

Home Equity Fixed Rate Loan

Concerned about the possibility of rising interest rates? With a Fixed Rate Home Equity
Loan from Denali State Bank, you can borrow against the equity you’ve built up in your
home to pay for the things you need—with predictable monthly payments.

Apply for a Home Equity Loan

Home Improvement Loan

Want to transform your home from blah to beautiful? Put our local loan experts to work
for you and get the job done, quickly!

Apply for a Home Improvement Loan

Raw (Unimproved) Land Loans

Get financing for unused, undeveloped land. Call us today and we can help expedite
the process.

Apply for a Consumer Real Estate Loan

Improved Land Loans

This loan is designed specifically for land that has been partially improved and is in
some kind of construction process.

For information on current product offerings and interest rates, we invite you to call us at: 1.888.458.4291 for more details, or visit us in person at any of our branches.

Apply for a Consumer Real Estate Loan

Lending Club Partnership

Denali State Bank has partnered with Lending Club, a trusted credit marketplace, to provide its customers a lower-cost alternative to a traditional personal loan.

Apply for a Lending Club Loan

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

Meet Your Lending Team—Consumer & Construction Loans

Nigel Morton
AVP Construction & Consumer Loan Manager
NMLS# 1314690

Contact Information


Meet Your Lending Team—Mortgage Loans

Nicole Chance
AVP, Mortgage Loans Manager
NMLS# 390587

Contact Information
Phone: 907.458.4252

Ildefonso “Rod” Rodriguez
Mortgage Loan Officer
NMLS# 508754

Contact Information
Phone: 907.458.4252

Lisa Severence
AVP Mortgage Operations Manager
NMLS# 336826

Contact Information

Kim Mead
AVP, Senior Mortgage Loan Coordinator
NMLS#: 392218

Contact Information
Phone:  (907) 458-4255

Meet Your Lending Team—Consumer Loans

James Ames
Consumer Loan Officer II
NMLS#: 1377182

Contact Information
Phone:  (907) 458-4216