Helena Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Helena averaged
6.43%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.83% and
one month ago for the week of 2025-05-29, the
average rate was 6.95%.
Helena's average rate one year ago was 6.72%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.77%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Helena 30 Year Fixed Rate | 2025-07-03 | 6.43% |
| Helena 30 Year Fixed Rate Refi | 2025-07-03 | 6.77% |
| Helena 15 Year Fixed Rate | 2025-07-03 | 6% |
| Helena 15 Year Fixed Rate Refi | 2025-07-03 | 5.7% |
| Helena 30 Year FHA | 2025-07-03 | -0.46% |
| Helena 30 Year FHA Refi | 2025-07-03 | 0% |
| Helena 30 Year USDA | 2025-07-03 | -0.1% |
| Helena 30 Year USDA Refi | 2025-07-03 | 0% |
| Helena 30 Year VA | 2025-07-03 | -0.01% |
| Helena 30 Year VA Refi | 2025-07-03 | -0.2% |
Helena Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Helena, MT market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Helena Average Closing Costs & Other Stats
Helena, MT's 81 lenders originated 1,717
loans during 2024. The total origination value was $534,235,000, with an average loan value of
$311,144.
Helena's average closing costs are $6,314.
The top Helena lender as defined by loan originations is EVERGREEN MONEYSOURCE MORTGAGE COMPANY, with
121 loans originated. Their average total fees are
$8,400, which is $1,021
higher than the next largest lender,
Stockman Bank of Montana.
The lowest fee Helena lenders (with over 10 loans originated) are
U.S. Bank ($5,906), S1L, Inc. ($6,304), Opportunity Bank of Montana ($7,096), QUICKEN LOANS, LLC ($7,351) and Stockman Bank of Montana ($7,380).
The lowest rate Helena lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (6.37%), S1L, Inc. (6.49%), U.S. Bank (6.49%), GUARANTEED RATE, INC. (6.60%) and QUICKEN LOANS, LLC (6.62%).
Helena, MT Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $76,050,000 | n/a | 14.2% | |
| Glacier Bank | $49,600,000 | $52,280,000 | 5.4% | 9.8% |
| Stockman Bank of Montana | $29,930,000 | $45,065,000 | 50.6% | 8.4% |
| Opportunity Bank of Montana | $77,255,000 | $28,830,000 | -62.7% | 5.4% |
| Mortgage Research Center, LLC | $9,410,000 | $22,180,000 | 135.7% | 4.2% |
| QUICKEN LOANS, LLC | $19,770,000 | $18,650,000 | -5.7% | 3.5% |
| U.S. Bank | $16,000,000 | $14,435,000 | -9.8% | 2.7% |
| GUARANTEED RATE, INC. | $17,785,000 | $14,060,000 | -20.9% | 2.6% |
| JONES LANG LASALLE MULTIFAMILY, LLC | $3,195,000 | $10,915,000 | 241.6% | 2.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $15,000,000 | $10,915,000 | -27.2% | 2.0% |
| First Interstate Bank | $16,565,000 | $10,720,000 | -35.3% | 2.0% |
| CHURCHILL MORTGAGE CORPORATION | $2,710,000 | $10,400,000 | 283.8% | 1.9% |
| UNION HOME MORTGAGE CORP. | $8,405,000 | n/a | 1.6% | |
| LOANDEPOT.COM, LLC | $4,105,000 | $7,880,000 | 92.0% | 1.5% |
| FREEDOM MORTGAGE CORPORATION | $2,020,000 | $7,300,000 | 261.4% | 1.4% |
| PENNYMAC LOAN SERVICES, LLC | $5,065,000 | $7,275,000 | 43.6% | 1.4% |
| GUILD MORTGAGE COMPANY | $1,430,000 | $6,780,000 | 374.1% | 1.3% |
| NAVY FEDERAL CREDIT UNION | $3,080,000 | $6,130,000 | 99.0% | 1.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $4,200,000 | $5,925,000 | 41.1% | 1.1% |
| S1L, Inc. | $5,385,000 | n/a | 1.0% | |
| CORNERSTONE HOME LENDING, INC. | $1,265,000 | $5,315,000 | 320.2% | 1.0% |
| NEWREZ LLC | $1,700,000 | $5,185,000 | 205.0% | 1.0% |
| Citizens Alliance Bank | $1,930,000 | $4,765,000 | 146.9% | 0.9% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,900,000 | $4,630,000 | 59.7% | 0.9% |
| CALCON MUTUAL MORTGAGE LLC | $1,020,000 | $4,035,000 | 295.6% | 0.8% |
| USAA Federal Savings Bank | $4,760,000 | $3,970,000 | -16.6% | 0.7% |
| JPMorgan Chase Bank | $2,755,000 | $3,760,000 | 36.5% | 0.7% |
| First Montana Bank, Inc. | $2,050,000 | $3,750,000 | 82.9% | 0.7% |
| Wells Fargo Bank | $2,100,000 | $3,690,000 | 75.7% | 0.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $7,220,000 | $3,455,000 | -52.1% | 0.6% |
| Farmers State Bank | $3,210,000 | n/a | 0.6% | |
| Prosperity Home Mortgage, LLC | $3,355,000 | $3,095,000 | -7.7% | 0.6% |
| LAKEVIEW LOAN SERVICING, LLC | $935,000 | $2,775,000 | 196.8% | 0.5% |
| Libertyville Bank & Trust | $2,720,000 | n/a | 0.5% | |
| BROKER SOLUTIONS, INC. | $1,655,000 | $2,640,000 | 59.5% | 0.5% |
| Century Mortgage Company DBA Century Lending Company | $485,000 | $2,555,000 | 426.8% | 0.5% |
| CLEARWATER Federal Credit Union | $2,285,000 | n/a | 0.4% | |
| Flagstar Bank, FSB | $1,240,000 | $2,150,000 | 73.4% | 0.4% |
| PLANET HOME LENDING, LLC | $1,395,000 | $2,120,000 | 52.0% | 0.4% |
| GREYSTONE SERVICING COMPANY LLC | $2,085,000 | n/a | 0.4% | |
| CMG MORTGAGE, INC. | $2,915,000 | $2,055,000 | -29.5% | 0.4% |
| TRIAD FINANCIAL SERVICES, INC. | $1,115,000 | $1,885,000 | 69.1% | 0.4% |
| VILLAGE CAPITAL MORTGAGE | $1,800,000 | n/a | 0.3% | |
| HOMESIDE FINANCIAL, LLC | $1,765,000 | n/a | 0.3% | |
| Magnolia Bank | $1,730,000 | n/a | 0.3% | |
| Mr. Cooper ( Nationstar Mortgage ) | $2,480,000 | $1,730,000 | -30.2% | 0.3% |
| First Western Trust Bank | $365,000 | $1,630,000 | 346.6% | 0.3% |
| American Bank Center | $1,020,000 | $1,540,000 | 51.0% | 0.3% |
| MOVEMENT MORTGAGE, LLC | $155,000 | $1,505,000 | 871.0% | 0.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,495,000 | n/a | 0.3% | |
| Lake Forest Bank & Trust | $1,405,000 | n/a | 0.3% | |
| Northwest Farm Credit Services, FLCA | $1,360,000 | n/a | 0.3% | |
| MOUNTAIN AMERICA | $135,000 | $1,295,000 | 859.3% | 0.2% |
| The Loan Store, Inc. | $1,290,000 | n/a | 0.2% | |
| Citizens National Bank of Texas | $1,255,000 | n/a | 0.2% | |
| AXIA FINANCIAL, LLC | $800,000 | $1,240,000 | 55.0% | 0.2% |
| Ixonia Bank | $1,895,000 | $1,175,000 | -38.0% | 0.2% |
| BETTER MORTGAGE CORPORATION | $1,125,000 | n/a | 0.2% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $3,220,000 | $1,065,000 | -66.9% | 0.2% |
| 21ST MORTGAGE CORPORATION | $965,000 | $1,050,000 | 8.8% | 0.2% |
| PNC Bank | $365,000 | $990,000 | 171.2% | 0.2% |
| Discover Bank | $845,000 | $975,000 | 15.4% | 0.2% |
| Flanagan State Bank | $1,020,000 | $955,000 | -6.4% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $615,000 | $935,000 | 52.0% | 0.2% |
| AMERICAN FINANCING CORPORATION | $245,000 | $910,000 | 271.4% | 0.2% |
| V.I.P. MORTGAGE, INC. | $910,000 | n/a | 0.2% | |
| GoPrime Mortgage, Inc. | $685,000 | $890,000 | 29.9% | 0.2% |
| The Huntington National Bank | $425,000 | $890,000 | 109.4% | 0.2% |
| Montana Federal Credit Union | $660,000 | $855,000 | 29.5% | 0.2% |
| UBS Bank USA | $855,000 | n/a | 0.2% | |
| FINANCE OF AMERICA REVERSE LLC | $245,000 | $820,000 | 234.7% | 0.2% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $820,000 | n/a | 0.2% | |
| CLEARPATH LENDING | $1,335,000 | $800,000 | -40.1% | 0.1% |
| NEW DAY FINANCIAL, LLC | $875,000 | $790,000 | -9.7% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $785,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $775,000 | n/a | 0.1% | |
| AMERICAN INTERNET MORTGAGE, INC. | $445,000 | $760,000 | 70.8% | 0.1% |
| Figure Lending LLC | $195,000 | $755,000 | 287.2% | 0.1% |
| Bank of America | $2,660,000 | $750,000 | -71.8% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $1,105,000 | $750,000 | -32.1% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $605,000 | $730,000 | 20.7% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $455,000 | $725,000 | 59.3% | 0.1% |
| Fortress Bank | $705,000 | n/a | 0.1% | |
| T2 FINANCIAL LLC | $705,000 | n/a | 0.1% | |
| Plains Commerce Bank | $635,000 | $680,000 | 7.1% | 0.1% |
| Stifel Bank and Trust | $405,000 | $655,000 | 61.7% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $630,000 | n/a | 0.1% | |
| Raymond James Bank | $455,000 | $585,000 | 28.6% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $585,000 | n/a | 0.1% | |
| Village Bank & Trust | $585,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $575,000 | n/a | 0.1% | |
| MEGASTAR FINANCIAL CORP. | $295,000 | $565,000 | 91.5% | 0.1% |
| Carrington Mortgage Services, LLC | $915,000 | $560,000 | -38.8% | 0.1% |
| ENVOY MORTGAGE, LTD | $405,000 | $540,000 | 33.3% | 0.1% |
| Centier Bank | $520,000 | n/a | 0.1% | |
| FIRST COMMUNITY MORTGAGE, INC. | $515,000 | n/a | 0.1% | |
| HORIZON | $500,000 | $505,000 | 1.0% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $505,000 | n/a | 0.1% | |
| IDAHO CENTRAL | $495,000 | n/a | 0.1% | |
| TrailWest Bank | $485,000 | n/a | 0.1% | |
| PREMIA MORTGAGE, LLC | $1,680,000 | $475,000 | -71.7% | 0.1% |
| VERITAS FUNDING, LLC | $475,000 | n/a | 0.1% | |
| NBKC BANK | $325,000 | $465,000 | 43.1% | 0.1% |
| PHH Mortgage Corporation | $295,000 | $460,000 | 55.9% | 0.1% |
| Nations Lending Corporation | $450,000 | n/a | 0.1% | |
| Armed Forces Bank | $425,000 | n/a | 0.1% | |
| Chicago Patrolmen's Federal Credit Union | $425,000 | n/a | 0.1% | |
| Servion, Inc. | $415,000 | n/a | 0.1% | |
| The Federal Savings Bank | $1,015,000 | $405,000 | -60.1% | 0.1% |
| BMO Harris Bank | $1,080,000 | $385,000 | -64.4% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $375,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $375,000 | n/a | 0.1% | |
| BEEHIVE | $375,000 | n/a | 0.1% | |
| Citizens Bank of Kansas | $375,000 | n/a | 0.1% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $365,000 | n/a | 0.1% | |
| NATIONS DIRECT MORTGAGE, LLC | $365,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $355,000 | n/a | 0.1% | |
| Veritex Community Bank | $355,000 | n/a | 0.1% | |
| Arbor Bank | $345,000 | n/a | 0.1% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $705,000 | $345,000 | -51.1% | 0.1% |
| VALLEY FINANCIAL CREDIT UNION | $340,000 | n/a | 0.1% | |
| UNITED | $335,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $325,000 | n/a | 0.1% | |
| American Mortgage & Equity Consultants, Inc. | $405,000 | $315,000 | -22.2% | 0.1% |
| Baxter Credit Union | $305,000 | n/a | 0.1% | |
| Truist | $2,170,000 | $305,000 | -85.9% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $255,000 | n/a | 0.0% | |
| MORTGAGE 1 INCORPORATED | $305,000 | $235,000 | -23.0% | 0.0% |
| Charles Schwab Bank, SSB | $225,000 | n/a | 0.0% | |
| First Federal Bank | $225,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $105,000 | $205,000 | 95.2% | 0.0% |
| NexBank | $205,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $195,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $525,000 | $180,000 | -65.7% | 0.0% |
| WINGS FINANCIAL | $555,000 | $180,000 | -67.6% | 0.0% |
| GEORGIA'S OWN | $175,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $160,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $155,000 | n/a | 0.0% | |
| Guaranty Bank and Trust Company | $135,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $125,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $190,000 | $85,000 | -55.3% | 0.0% |
| Firefighters First Federal Credit Union | $65,000 | n/a | 0.0% | |
| BANKWEST, INC. | $55,000 | $55,000 | 0.0% | 0.0% |
Helena's top lender by overall market share is EVERGREEN MONEYSOURCE MORTGAGE COMPANY, with 14.2% market share. In second place, with 9.8%, is Glacier Bank, having originated $52,280,000 in loans. In third place, with 8.4%, is Stockman Bank of Montana, having originated $45,065,000 in loans. In fourth place, with 5.4%, is Opportunity Bank of Montana, having originated $28,830,000 in loans. In fifth place, with 4.2%, is Mortgage Research Center, LLC, having originated $22,180,000 in loans.
Helena, MT Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 900 | $361,090,000 | $401,211 |
| Cash Out Refi | 248 | $65,880,000 | $265,645 |
| Refi | 223 | $69,465,000 | $311,502 |
| Home Improvement | 177 | $17,365,000 | $98,107 |
| Other | 169 | $20,435,000 | $120,917 |
Helena's most frequently cited loan purpose was Home Purchase, with 900 originations. The 2nd most popular reason was Cash Out Refi, with 248 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 625 | $237,485,000 | $379,976 |
| Over 8% | 391 | $49,945,000 | $127,737 |
| 7-8% | 307 | $94,115,000 | $306,564 |
| 5-6% | 256 | $108,800,000 | $425,000 |
| 4-5% | 22 | $8,400,000 | $381,818 |
| <2.5% | 6 | $570,000 | $95,000 |
| 2.5-3% | 3 | $475,000 | $158,333 |
During 2024, Helena's most frequently originated rate bucket was 6-7%, with 625 originations.
Loan Sizing (Helena, MT MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 627 | $193,005,000 | $307,823 |
| $100,000 or less | 350 | $19,680,000 | $56,229 |
| $400k-600k | 350 | $167,210,000 | $477,743 |
| $100k-200k | 262 | $37,120,000 | $141,679 |
| $600k-1000k | 107 | $76,785,000 | $717,617 |
| $Over $1MM | 21 | $40,435,000 | $1,925,476 |
Helena's loan sizing saw the bucket of loans from $200k-400k with 627 originations, totaling $193,005,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 470 | $201,760,000 | $429,277 |
| 60-80% | 334 | $138,230,000 | $413,862 |
| Under 20% | 324 | $23,410,000 | $72,253 |
| 40-60% | 219 | $76,915,000 | $351,210 |
| 20-40% | 203 | $35,375,000 | $174,261 |
| Over 100% | 31 | $15,005,000 | $484,032 |
Helena's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 470 originations, totaling $201,760,000 in origination value.