Kalispell VA Loan Rates, Closing Costs & Stats

Kalispell, MT

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Kalispell's 39 lenders originated 191 VA loans during 2024. The total origination value was $113,675,000, with an average VA loan value of $595,157.

    Kalispell VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Kalispell averaged 0.33% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Kalispell's average VA mortgage closing costs are $7,757.

    The average rate for the prior week (2025-06-13) was 7.08% and one month ago for the week of 2025-05-16, the average rate was 7.04%.

    The average rate one year ago was 7.04%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.05%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Kalispell VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Kalispell level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 34 6.10% $6,382
    CROSSCOUNTRY MORTGAGE, LLC 28 6.33% $7,822
    Mortgage Research Center, LLC 22 6.20% $14,157
    QUICKEN LOANS, LLC 13 5.95% $24,325
    PENNYMAC LOAN SERVICES, LLC 11 5.51% $16,670
    FREEDOM MORTGAGE CORPORATION 9 6.10% $14,289
    Plains Commerce Bank 9 6.14% $9,996
    NAVY FEDERAL CREDIT UNION 5 5.55% $6,738
    Barrington Bank & Trust Company, N.A. 4 6.25% $4,990
    LOANDEPOT.COM, LLC 3 5.54% $6,432
    Equity Prime Mortgage LLC 3 6.75% $8,527
    Stockman Bank of Montana 3 6.33% $18,869
    NEW DAY FINANCIAL, LLC 3 7.91% $21,877
    PARK SIDE FINANCIAL 2 5.13% $16,667
    Paramount Residential Mortgage Group, Inc. 2 5.69% $12,573
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 5.56% $16,928
    Century Mortgage Company DBA Century Lending Company 2 6.00% $7,722
    BAY EQUITY LLC 2 6.37% $4,051
    Glacier Bank 2 6.19% $14,990
    AMERICAN FINANCIAL RESOURCES, INC. 1 5.25% $5,641
    VILLAGE CAPITAL MORTGAGE 1 4.99% $5,190
    American Mortgage & Equity Consultants, Inc. 1 5.62% $16,855
    BROKER SOLUTIONS, INC. 1 6.63% $16,524
    CALCON MUTUAL MORTGAGE LLC 1 6.13% $10,241
    CHURCHILL MORTGAGE CORPORATION 1 7.25% $20,586
    CMG MORTGAGE, INC. 1 6.25% $7,616
    Cornerstone First Mortgage, Inc 1 5.75% $5,091
    ENVOY MORTGAGE, LTD 1 6.13% $14,915
    GREENSTATE CREDIT UNION 1 6.25% $4,825
    GUARANTEED RATE, INC. 1 5.18% $2,636
    LAKEVIEW LOAN SERVICING, LLC 1 5.75% $7,810
    Mr. Cooper ( Nationstar Mortgage ) 1 6.00% $4,833
    Nations Lending Corporation 1 5.88% $24,072
    NBKC BANK 1 5.63% $810
    NEWREZ LLC 1 6.75% $6,874
    PENTAGON FEDERAL CREDIT UNION 1 6.13% $21,041
    PHH Mortgage Corporation 1 6.38% $6,130
    The Federal Savings Bank 1 7.25% $25,779
    USAA Federal Savings Bank 1 5.63% $22,808

    The top Kalispell VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 34 VA loans originated. Their average total fees are $6,382, which is $1,440 lower than the next largest lender, CROSSCOUNTRY MORTGAGE, LLC.

    The lowest fee Kalispell VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($6,382), CROSSCOUNTRY MORTGAGE, LLC ($7,822), Mortgage Research Center, LLC ($14,157), PENNYMAC LOAN SERVICES, LLC ($16,670) and QUICKEN LOANS, LLC ($24,325).

    The lowest rate Kalispell VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (5.51%), QUICKEN LOANS, LLC (5.95%), UNITED WHOLESALE MORTGAGE, LLC (6.10%), Mortgage Research Center, LLC (6.20%) and CROSSCOUNTRY MORTGAGE, LLC (6.33%).

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.