Helena Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

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

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.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 121 6.80% $8,400
Stockman Bank of Montana 75 6.64% $7,380
Glacier Bank 60 6.79% $8,704
QUICKEN LOANS, LLC 32 6.62% $7,351
Opportunity Bank of Montana 28 6.69% $7,096
GUARANTEED RATE, INC. 24 6.60% $7,912
U.S. Bank 21 6.49% $5,906
CHURCHILL MORTGAGE CORPORATION 13 6.89% $9,326
UNITED WHOLESALE MORTGAGE, LLC 11 6.37% $7,997
CORNERSTONE HOME LENDING, INC. 11 6.83% $8,172
UNION HOME MORTGAGE CORP. 11 6.84% $10,790
S1L, Inc. 11 6.49% $6,304
GUILD MORTGAGE COMPANY 7 6.23% $7,577
JPMorgan Chase Bank 7 7.12% $6,051
Wells Fargo Bank 7 7.04% $4,877
NEWREZ LLC 7 6.34% $11,378
First Interstate Bank 6 7.25% $5,502
NAVY FEDERAL CREDIT UNION 6 5.98% $11,362
LOANDEPOT.COM, LLC 6 6.31% $12,902
MUTUAL OF OMAHA MORTGAGE, INC. 6 6.44% $7,766
CALCON MUTUAL MORTGAGE LLC 5 6.57% $11,451
CMG MORTGAGE, INC. 5 6.87% $6,701
CLEARWATER Federal Credit Union 5 6.63% $6,758
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 7.03% $8,116
BROKER SOLUTIONS, INC. 4 7.03% $8,140
CROSSCOUNTRY MORTGAGE, LLC 4 7.28% $8,425
PENNYMAC LOAN SERVICES, LLC 4 6.81% $8,179
Mr. Cooper ( Nationstar Mortgage ) 4 7.18% $7,066
Prosperity Home Mortgage, LLC 3 6.46% $4,756
USAA Federal Savings Bank 3 6.79% $4,821
MOVEMENT MORTGAGE, LLC 3 6.79% $7,868
Century Mortgage Company DBA Century Lending Company 3 6.50% $8,533
Flagstar Bank, FSB 3 7.09% $5,556
BETTER MORTGAGE CORPORATION 2 6.81% $6,226
AMERICAN FINANCIAL RESOURCES, INC. 2 6.25% $6,989
AMERICAN PACIFIC MORTGAGE CORPORATION 2 7.38% $8,511
AMERISAVE MORTGAGE CORPORATION 2 7.00% $8,048
ENVOY MORTGAGE, LTD 2 6.56% $4,452
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 7.38% $14,925
Ixonia Bank 2 7.50% $6,791
LENOX FINANCIAL MORTGAGE CORPORATION 2 6.43% $3,703
Mortgage Research Center, LLC 2 6.25% $3,855
Plains Commerce Bank 2 6.56% $5,408
The Huntington National Bank 2 6.88% $6,597
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.13% $4,761
HORIZON 1 6.50% $7,038
HOMESIDE FINANCIAL, LLC 1 7.50% $5,850
GoPrime Mortgage, Inc. 1 6.12% $27,449
NATIONS DIRECT MORTGAGE, LLC 1 6.63% $4,585
FREEDOM MORTGAGE CORPORATION 1 8.13% $8,031
Fortress Bank 1 6.50% $4,084
NexBank 1 7.13% $7,714
Northwest Farm Credit Services, FLCA 1 6.50% $10,071
NOVA FINANCIAL & INVESTMENT CORPORATION 1 7.13% $2,565
FIRST COMMUNITY MORTGAGE, INC. 1 7.13% $5,745
Paramount Residential Mortgage Group, Inc. 1 7.50% $4,763
DEEPHAVEN MORTGAGE LLC 1 6.99% $16,299
V.I.P. MORTGAGE, INC. 1 6.38% $15,571
PLAZA HOME MORTGAGE, INC. 1 6.50% $5,610
PNC Bank 1 6.00% $7,159
PREMIA MORTGAGE, LLC 1 6.40% $2,550
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.99% $6,071
Citadel Servicing Corporation 1 8.88% $9,564
BMO Harris Bank 1 5.88% $4,493
Raymond James Bank 1 6.13% $3,923
21ST MORTGAGE CORPORATION 1 8.10% $6,121
Servion, Inc. 1 6.38% $7,729
Sierra Pacific Mortgage Company, Inc. 1 5.75% $15,519
Stifel Bank and Trust 1 5.88% $4,188
BEEHIVE 1 6.00% $8,553
T2 FINANCIAL LLC 1 5.88% $13,960
AMERICAN INTERNET MORTGAGE, INC. 1 6.75% $3,182
UBS Bank USA 1 5.88% $6,068
Bank of America 1 6.88% $3,213
UNITED 1 6.25% $7,006
AXIA FINANCIAL, LLC 1 7.13% $9,250
Arbor Bank 1 6.75% $4,826
American Mortgage & Equity Consultants, Inc. 1 6.99% $12,139
MEGASTAR FINANCIAL CORP. 1 6.63% $5,641
MORTGAGE 1 INCORPORATED 1 6.63% $4,113
Veritex Community Bank 1 6.25% $7,110

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.