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 38 lenders originated 137 VA loans during 2023. The total origination value was $74,245,000, with an average VA loan value of $541,934.

    Kalispell VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Kalispell averaged 0.23% for the week of 2024-11-15, compared to the national average (all VA variants) of 0% for the same period.

    Kalispell's average VA mortgage closing costs are $7,454.

    The average rate for the prior week (2024-11-08) was 6.74% and one month ago for the week of 2024-10-11, the average rate was 6.01%.

    The average rate one year ago was 7.5%.

    For refis of the same type during the week of 2024-11-15, the average rate was 0.1%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 22 6.22% $10,131
    CROSSCOUNTRY MORTGAGE, LLC 18 6.67% $12,385
    Mortgage Research Center, LLC 12 6.63% $9,575
    MANN FINANCIAL INC. 10 6.89% $13,885
    QUICKEN LOANS, LLC 9 6.05% $12,179
    Plains Commerce Bank 7 5.95% $11,503
    USAA Federal Savings Bank 6 6.40% $5,612
    Barrington Bank & Trust Company, N.A. 5 6.73% $18,793
    BAY EQUITY LLC 4 6.00% $6,320
    AMERISAVE MORTGAGE CORPORATION 3 4.92% $20,885
    Stockman Bank of Montana 3 6.21% $13,677
    VILLAGE CAPITAL MORTGAGE 3 5.21% $18,380
    Prosperity Home Mortgage, LLC 3 5.71% $12,369
    FREEDOM MORTGAGE CORPORATION 2 6.75% $18,880
    Bank of England 2 6.50% $7,255
    Paramount Residential Mortgage Group, Inc. 2 7.13% $9,505
    NAVY FEDERAL CREDIT UNION 2 5.69% $21,186
    PLAZA HOME MORTGAGE, INC. 1 6.25% $11,639
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 7.13% $7,859
    The Federal Savings Bank 1 6.63% $26,341
    TOWNE MORTGAGE COMPANY 1 7.25% $4,547
    MEGASTAR FINANCIAL CORP. 1 7.38% $20,666
    CALCON MUTUAL MORTGAGE LLC 1 7.00% $14,068
    CARDINAL FINANCIAL 1 6.63% $3,425
    CMG MORTGAGE, INC. 1 5.99% $27,438
    Equity Prime Mortgage LLC 1 7.13% $5,321
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 4.99% $9,373
    Flagstar Bank, FSB 1 6.25% $7,337
    Glacier Bank 1 5.50% $6,515
    GUARANTEED RATE, INC. 1 5.75% $8,428
    JPMorgan Chase Bank 1 6.25% $0
    LOANDEPOT.COM, LLC 1 6.75% $12,781
    Magnolia Bank 1 5.25% $13,733
    AMCAP MORTGAGE, LTD. 1 7.25% $19,381
    NATIONS DIRECT MORTGAGE, LLC 1 6.13% $8,872
    NEW DAY FINANCIAL, LLC 1 6.99% $19,719
    NEWREZ LLC 1 6.13% $3,064
    PENNYMAC LOAN SERVICES, LLC 1 5.25% $19,346

    The top Kalispell VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 22 VA loans originated. Their average total fees are $10,131, which is $2,254 lower than the next largest lender, CROSSCOUNTRY MORTGAGE, LLC.

    The lowest fee Kalispell VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($9,575), UNITED WHOLESALE MORTGAGE, LLC ($10,131), CROSSCOUNTRY MORTGAGE, LLC ($12,385), MANN FINANCIAL INC. ($13,885) and .

    The lowest rate Kalispell VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.22%), Mortgage Research Center, LLC (6.63%), CROSSCOUNTRY MORTGAGE, LLC (6.67%), MANN FINANCIAL INC. (6.89%) and .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Kalispell (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $487,000 (7.2%) $988,250 (10.4%) 0.00 742
    2018-02-01 $499,200 (8.7%) $992,656 (9.6%) 0.00 724
    2018-03-01 $499,000 (7.1%) $947,736 (2.6%) 0.00 789
    2018-04-01 $499,500 (6.4%) $977,061 (3.2%) 0.00 810
    2018-05-01 $499,000 (3.5%) $932,905 (-0.2%) 0.00 919
    2018-06-01 $499,000 (4.6%) $891,557 (-2.7%) 0.00 1,093
    2018-07-01 $471,000 (-1.9%) $839,881 (-8.1%) 0.00 1,287
    2018-08-01 $449,950 (-7.9%) $801,501 (-12.2%) 0.00 1,387
    2018-09-01 $449,500 (-9.2%) $795,547 (-13.7%) 0.00 1,375
    2018-10-01 $449,000 (-9.0%) $789,976 (-15.3%) 0.00 1,298
    2018-11-01 $443,400 (-9.4%) $753,472 (-20.4%) 0.00 1,191
    2018-12-01 $435,000 (-9.6%) $755,576 (-22.1%) 0.00 1,106
    2019-01-01 $433,725 (-10.9%) $774,019 (-21.7%) 0.00 983
    2019-02-01 $437,225 (-12.4%) $786,366 (-20.8%) 0.00 892
    2019-03-01 $476,143 (-4.6%) $844,343 (-10.9%) 0.00 864
    2019-04-01 $499,000 (-0.1%) $852,184 (-12.8%) 0.00 899
    2019-05-01 $499,000 (0.0%) $802,451 (-14.0%) 0.00 1,022
    2019-06-01 $499,000 (0.0%) $780,822 (-12.4%) 0.00 1,119
    2019-07-01 $486,750 (3.3%) $778,099 (-7.4%) 0.00 1,196
    2019-08-01 $477,759 (6.2%) $784,517 (-2.1%) 0.00 1,167
    2019-09-01 $475,898 (5.9%) $797,766 (0.3%) 0.00 1,104
    2019-10-01 $474,225 (5.6%) $812,914 (2.9%) 0.00 1,039
    2019-11-01 $460,700 (3.9%) $845,087 (12.2%) 0.00 909
    2019-12-01 $449,900 (3.4%) $876,759 (16.0%) 0.00 828
    2020-01-01 $442,500 (2.0%) $881,483 (13.9%) 0.00 725
    2020-02-01 $439,900 (0.6%) $883,388 (12.3%) 0.00 649
    2020-03-01 $454,450 (-4.6%) $874,678 (3.6%) 0.00 676
    2020-04-01 $459,450 (-7.9%) $831,365 (-2.4%) 0.00 764
    2020-05-01 $489,000 (-2.0%) $842,248 (5.0%) 0.00 755
    2020-06-01 $499,000 (0.0%) $851,005 (9.0%) 0.00 738
    2020-07-01 $519,468 (6.7%) $934,018 (20.0%) 0.00 683
    2020-08-01 $497,700 (4.2%) $912,998 (16.4%) 0.00 658
    2020-09-01 $526,250 (10.6%) $998,284 (25.1%) 0.00 597
    2020-10-01 $489,000 (3.1%) $1,017,014 (25.1%) 0.00 512
    2020-11-01 $475,700 (3.3%) $1,064,966 (26.0%) 0.00 480
    2020-12-01 $448,500 (-0.3%) $1,027,140 (17.2%) 0.00 456
    2021-01-01 $439,000 (-0.8%) $1,000,624 (13.5%) 0.00 404
    2021-02-01 $405,975 (-7.7%) $1,008,902 (14.2%) 0.00 312
    2021-03-01 $464,725 (2.3%) $1,046,870 (19.7%) 0.00 319
    2021-04-01 $534,025 (16.2%) $1,045,426 (25.8%) 0.00 357
    2021-05-01 $599,773 (22.7%) $1,078,425 (28.0%) 0.00 399
    2021-06-01 $649,000 (30.1%) $1,189,360 (39.8%) 0.00 462
    2021-07-01 $699,000 (34.6%) $1,223,672 (31.0%) 0.00 554
    2021-08-01 $734,743 (47.6%) $1,227,025 (34.4%) 0.00 556
    2021-09-01 $725,000 (37.8%) $1,242,841 (24.5%) 0.00 578
    2021-10-01 $725,000 (48.3%) $1,295,926 (27.4%) 0.00 527
    2021-11-01 $699,824 (47.1%) $1,284,562 (20.6%) 0.00 462
    2021-12-01 $699,412 (55.9%) $1,338,659 (30.3%) 0.00 421
    2022-01-01 $499,900 (13.9%) $1,213,913 (21.3%) 0.00 419
    2022-02-01 $472,400 (16.4%) $1,178,083 (16.8%) 0.00 395
    2022-03-01 $487,900 (5.0%) $1,191,091 (13.8%) 0.00 394
    2022-04-01 $567,000 (6.2%) $1,182,797 (13.1%) 0.00 429
    2022-05-01 $629,750 (5.0%) $1,234,416 (14.5%) 0.00 510
    2022-06-01 $694,500 (7.0%) $1,263,273 (6.2%) 0.00 645
    2022-07-01 $749,000 (7.2%) $1,273,131 (4.0%) 0.00 847
    2022-08-01 $722,250 (-1.7%) $1,233,345 (0.5%) 0.00 917
    2022-09-01 $722,025 (-0.4%) $1,278,589 (2.9%) 0.00 859
    2022-10-01 $749,000 (3.3%) $1,317,447 (1.7%) 0.00 757
    2022-11-01 $707,475 (1.1%) $1,299,176 (1.1%) 0.00 727
    2022-12-01 $699,000 (-0.1%) $1,318,276 (-1.5%) 0.00 671
    2023-01-01 $713,500 (42.7%) $1,387,449 (14.3%) 0.00 634
    2023-02-01 $786,950 (66.6%) $1,488,518 (26.4%) 0.00 556
    2023-03-01 $842,500 (72.7%) $1,583,347 (32.9%) 0.00 487
    2023-04-01 $842,500 (48.6%) $1,562,308 (32.1%) 0.00 500
    2023-05-01 $872,000 (38.5%) $1,585,494 (28.4%) 0.00 578
    2023-06-01 $874,950 (26.0%) $1,591,465 (26.0%) 0.00 684
    2023-07-01 $895,000 (19.5%) $1,596,016 (25.4%) 0.00 762
    2023-08-01 $911,250 (26.2%) $1,610,290 (30.6%) 0.00 793
    2023-09-01 $905,000 (25.3%) $1,619,327 (26.7%) 0.00 818
    2023-10-01 $880,000 (17.5%) $1,578,563 (19.8%) 0.00 790
    2023-11-01 $867,500 (22.6%) $1,560,553 (20.1%) 0.00 726
    2023-12-01 $897,000 (28.3%) $1,544,844 (17.2%) 0.00 673
    2024-01-01 $894,400 (25.4%) $1,593,839 (14.9%) 0.00 599
    2024-02-01 $850,000 (8.0%) $1,602,783 (7.7%) 0.00 572
    2024-03-01 $850,000 (0.9%) $1,635,861 (3.3%) 0.00 609
    2024-04-01 $849,000 (0.8%) $1,622,377 (3.8%) 0.00 671
    2024-05-01 $866,450 (-0.6%) $1,590,476 (0.3%) 0.00 772
    2024-06-01 $885,000 (1.2%) $1,582,312 (-0.6%) 0.00 908
    2024-07-01 $875,000 (-2.2%) $1,562,530 (-2.1%) 0.00 1,003
    2024-08-01 $875,000 (-4.0%) $1,542,192 (-4.2%) 0.00 1,003
    2024-09-01 $868,950 (-4.0%) $1,549,959 (-4.3%) 0.00 974
    2024-10-01 $879,000 (-0.1%) $1,559,304 (-1.2%) 0.00 919
    Kalispell's median listing price for 2024-10-01 was $879,000, a difference of $-1,000 (-0.1%) versus the prior year and $10,050 versus the prior month.

    Kalispell's median listing price comes in at 0% of the national average.

    Kalispell's average listing price for 2024-10-01 was $1,559,304, a difference of $-19,259 (-1.2%) versus the prior year and $9,345 versus the prior month.

    For the 2024-10-01 period, Kalispell had 919 MLS listings, a difference of -55 listings (-6%) versus the prior month and 129 listings (16%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Kalispell (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,481 sqft
    2018-02-01 0 days 2,502 sqft
    2018-03-01 0 days 2,451 sqft
    2018-04-01 0 days 2,483 sqft
    2018-05-01 0 days 2,444 sqft
    2018-06-01 0 days 2,445 sqft
    2018-07-01 0 days 2,323 sqft
    2018-08-01 0 days 2,259 sqft
    2018-09-01 0 days 2,265 sqft
    2018-10-01 0 days 2,250 sqft
    2018-11-01 0 days 2,181 sqft
    2018-12-01 0 days 2,163 sqft
    2019-01-01 0 days 2,113 sqft
    2019-02-01 0 days 2,109 sqft
    2019-03-01 0 days 2,209 sqft
    2019-04-01 0 days 2,280 sqft
    2019-05-01 0 days 2,338 sqft
    2019-06-01 0 days 2,376 sqft
    2019-07-01 0 days 2,293 sqft
    2019-08-01 0 days 2,284 sqft
    2019-09-01 0 days 2,259 sqft
    2019-10-01 0 days 2,252 sqft
    2019-11-01 0 days 2,250 sqft
    2019-12-01 0 days 2,158 sqft
    2020-01-01 0 days 2,131 sqft
    2020-02-01 0 days 2,089 sqft
    2020-03-01 0 days 2,102 sqft
    2020-04-01 0 days 2,106 sqft
    2020-05-01 0 days 2,160 sqft
    2020-06-01 0 days 2,189 sqft
    2020-07-01 0 days 2,199 sqft
    2020-08-01 0 days 2,092 sqft
    2020-09-01 0 days 2,110 sqft
    2020-10-01 0 days 2,092 sqft
    2020-11-01 0 days 2,055 sqft
    2020-12-01 0 days 1,887 sqft
    2021-01-01 0 days 1,722 sqft
    2021-02-01 0 days 1,651 sqft
    2021-03-01 0 days 1,721 sqft
    2021-04-01 0 days 1,943 sqft
    2021-05-01 0 days 1,936 sqft
    2021-06-01 0 days 1,941 sqft
    2021-07-01 0 days 1,948 sqft
    2021-08-01 0 days 2,019 sqft
    2021-09-01 0 days 2,103 sqft
    2021-10-01 0 days 2,032 sqft
    2021-11-01 0 days 2,022 sqft
    2021-12-01 0 days 1,981 sqft
    2022-01-01 0 days 1,542 sqft
    2022-02-01 0 days 1,426 sqft
    2022-03-01 0 days 1,469 sqft
    2022-04-01 0 days 1,563 sqft
    2022-05-01 0 days 1,657 sqft
    2022-06-01 0 days 1,880 sqft
    2022-07-01 0 days 1,916 sqft
    2022-08-01 0 days 1,938 sqft
    2022-09-01 0 days 1,882 sqft
    2022-10-01 0 days 2,030 sqft
    2022-11-01 0 days 2,028 sqft
    2022-12-01 0 days 2,016 sqft
    2023-01-01 0 days 2,010 sqft
    2023-02-01 0 days 2,038 sqft
    2023-03-01 0 days 2,092 sqft
    2023-04-01 0 days 2,075 sqft
    2023-05-01 0 days 2,167 sqft
    2023-06-01 0 days 2,172 sqft
    2023-07-01 0 days 2,175 sqft
    2023-08-01 0 days 2,154 sqft
    2023-09-01 0 days 2,157 sqft
    2023-10-01 0 days 2,096 sqft
    2023-11-01 0 days 2,084 sqft
    2023-12-01 0 days 2,055 sqft
    2024-01-01 0 days 2,062 sqft
    2024-02-01 0 days 2,052 sqft
    2024-03-01 0 days 2,026 sqft
    2024-04-01 0 days 2,030 sqft
    2024-05-01 0 days 2,051 sqft
    2024-06-01 0 days 2,094 sqft
    2024-07-01 0 days 2,156 sqft
    2024-08-01 0 days 2,152 sqft
    2024-09-01 0 days 2,154 sqft
    2024-10-01 0 days 2,195 sqft
    Kalispell's median listing age (time on market) for 2024-10-01 was 0 days.

    Kalispell's median square footage for active listings during the 2024-10-01 period was 2,195 sqft. One year prior, the average listing was 2,096 sqft.

    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.