Kalispell Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Kalispell averaged
5.78%
for the week of 2022-06-30, compared to the national average of
5.7% for the same period.
The average rate for the prior week (2022-06-23) was
5.99% and
one month ago for the week of 2022-05-26, the
average rate was 5.18%.
Kalispell's average rate one year ago was 3.3%.
For refis of the same type during the week of 2022-06-30, the average rate
was 5.88%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-06-30 | 5.7% |
| Kalispell 30 Year Fixed Rate | 2022-06-30 | 5.78% |
| Kalispell 30 Year Fixed Rate Refi | 2022-06-30 | 5.88% |
| Kalispell 15 Year Fixed Rate | 2022-06-30 | 5.91% |
| Kalispell 15 Year Fixed Rate Refi | 2022-06-30 | 5.04% |
| Kalispell 30 Year FHA | 2022-06-30 | 5.63% |
| Kalispell 30 Year FHA Refi | 2022-06-30 | 5.54% |
| Kalispell 30 Year USDA | 2022-06-30 | 5.64% |
| Kalispell 30 Year USDA Refi | 2022-06-30 | 5.81% |
| Kalispell 30 Year VA | 2022-06-30 | 5.45% |
| Kalispell 30 Year VA Refi | 2022-06-30 | 5.26% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Kalispell, MT.
Kalispell Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Kalispell, 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.).
Kalispell, MT's 193 lenders originated 6,456
loans during 2021. The total origination value was $2,432,360,000, with an average loan value of
$376,760.
The top Kalispell lender as defined by loan originations is MANN FINANCIAL INC., with
480 loans originated. Their average total fees are
$4,354, which is $205
lower than the next largest lender,
BAY EQUITY LLC.
The lowest fee Kalispell lenders (with over 10 loans originated) are
FREEDOM MORTGAGE CORPORATION ($1,686), PARK SIDE FINANCIAL ($2,443), Stifel Bank and Trust ($2,824), ACADEMY MORTGAGE CORPORATION ($3,604) and MUTUAL OF OMAHA MORTGAGE, INC. ($3,633).
The lowest rate Kalispell lenders (with over 10 loans originated) are
Ally Bank (2.60%), Bank of America (2.75%), HOME POINT FINANCIAL CORPORATION (2.76%), Stifel Bank and Trust (2.76%) and BETTER MORTGAGE CORPORATION (2.76%).
Kalispell, MT Lender 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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| Glacier Bank | $310,810,000 | $317,520,000 | 2.2% | 13.1% |
| MANN FINANCIAL INC. | $220,060,000 | $200,720,000 | -8.8% | 8.3% |
| BAY EQUITY LLC | $216,040,000 | $200,430,000 | -7.2% | 8.2% |
| First Interstate Bank | $148,870,000 | $157,445,000 | 5.8% | 6.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $66,145,000 | $130,640,000 | 97.5% | 5.4% |
| LENDUS, LLC | $104,495,000 | $115,575,000 | 10.6% | 4.8% |
| QUICKEN LOANS, LLC | $103,055,000 | $112,200,000 | 8.9% | 4.6% |
| Barrington Bank & Trust Company, N.A. | $89,640,000 | $81,905,000 | -8.6% | 3.4% |
| Wells Fargo Bank | $87,090,000 | $66,450,000 | -23.7% | 2.7% |
| Plains Commerce Bank | $31,090,000 | $60,715,000 | 95.3% | 2.5% |
| U.S. Bank | $35,045,000 | $48,585,000 | 38.6% | 2.0% |
| LOANDEPOT.COM, LLC | $16,605,000 | $39,700,000 | 139.1% | 1.6% |
| FREEDOM MORTGAGE CORPORATION | $46,860,000 | $32,875,000 | -29.8% | 1.4% |
| PARK SIDE FINANCIAL | $35,355,000 | $30,170,000 | -14.7% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $12,865,000 | $27,625,000 | 114.7% | 1.1% |
| Bank of America | $22,125,000 | $26,800,000 | 21.1% | 1.1% |
| BETTER MORTGAGE CORPORATION | $8,155,000 | $26,695,000 | 227.3% | 1.1% |
| JPMorgan Chase Bank | $33,640,000 | $24,750,000 | -26.4% | 1.0% |
| PNC Bank | $4,335,000 | $21,785,000 | 402.5% | 0.9% |
| CrossFirst Bank | $21,745,000 | n/a | 0.9% | |
| TrailWest Bank | $21,495,000 | $21,725,000 | 1.1% | 0.9% |
| Mortgage Research Center, LLC | $19,775,000 | $21,240,000 | 7.4% | 0.9% |
| Flagstar Bank, FSB | $33,085,000 | $20,985,000 | -36.6% | 0.9% |
| AMERISAVE MORTGAGE CORPORATION | $9,380,000 | $20,475,000 | 118.3% | 0.8% |
| BancorpSouth Bank | $610,000 | $18,255,000 | 2,892.6% | 0.8% |
| HomeStreet Bank | $16,445,000 | n/a | 0.7% | |
| GUILD MORTGAGE COMPANY | $16,270,000 | $15,975,000 | -1.8% | 0.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $6,445,000 | $14,315,000 | 122.1% | 0.6% |
| LAKEVIEW LOAN SERVICING, LLC | $8,975,000 | $12,860,000 | 43.3% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $7,750,000 | $12,860,000 | 65.9% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $12,000,000 | $12,575,000 | 4.8% | 0.5% |
| FINANCE OF AMERICA MORTGAGE LLC | $9,290,000 | $12,275,000 | 32.1% | 0.5% |
| Stifel Bank and Trust | $3,015,000 | $11,885,000 | 294.2% | 0.5% |
| Stockman Bank of Montana | $8,410,000 | $11,870,000 | 41.1% | 0.5% |
| First Republic Bank | $7,295,000 | $11,850,000 | 62.4% | 0.5% |
| Opportunity Bank of Montana | $10,460,000 | $11,500,000 | 9.9% | 0.5% |
| BROKER SOLUTIONS, INC. | $6,655,000 | $11,355,000 | 70.6% | 0.5% |
| Morgan Stanley Private Bank | $13,490,000 | $10,325,000 | -23.5% | 0.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $13,010,000 | $10,080,000 | -22.5% | 0.4% |
| Raymond James Bank | $9,745,000 | n/a | 0.4% | |
| NEW DAY FINANCIAL, LLC | $5,540,000 | $9,640,000 | 74.0% | 0.4% |
| Ally Bank | $1,310,000 | $9,425,000 | 619.5% | 0.4% |
| CALIBER HOME LOANS, INC. | $10,945,000 | $9,275,000 | -15.3% | 0.4% |
| Charles Schwab Bank, SSB | $3,700,000 | $8,510,000 | 130.0% | 0.3% |
| GUARANTEED RATE, INC. | $6,085,000 | $8,110,000 | 33.3% | 0.3% |
| KeyBank | $680,000 | $7,905,000 | 1,062.5% | 0.3% |
| HOME POINT FINANCIAL CORPORATION | $7,080,000 | $7,830,000 | 10.6% | 0.3% |
| City National Bank | $3,770,000 | $7,810,000 | 107.2% | 0.3% |
| AMERICAN FINANCING CORPORATION | $1,990,000 | $7,580,000 | 280.9% | 0.3% |
| CRESCENT MORTGAGE COMPANY | $10,255,000 | $7,430,000 | -27.5% | 0.3% |
| UBS Bank USA | $4,435,000 | $7,125,000 | 60.7% | 0.3% |
| WALKER & DUNLOP, LLC | $6,455,000 | n/a | 0.3% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $4,550,000 | $6,245,000 | 37.3% | 0.3% |
| ACADEMY MORTGAGE CORPORATION | $3,455,000 | $6,170,000 | 78.6% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $4,150,000 | $5,905,000 | 42.3% | 0.2% |
| BNY Mellon | $4,205,000 | $5,880,000 | 39.8% | 0.2% |
| NEWREZ LLC | $3,450,000 | $5,855,000 | 69.7% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $3,230,000 | $5,650,000 | 74.9% | 0.2% |
| USAA Federal Savings Bank | $13,060,000 | $5,290,000 | -59.5% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $3,075,000 | $5,255,000 | 70.9% | 0.2% |
| Grandbridge Real Estate Capital LLC | $5,125,000 | n/a | 0.2% | |
| The Northern Trust Company | $5,005,000 | n/a | 0.2% | |
| NBKC BANK | $5,155,000 | $4,775,000 | -7.4% | 0.2% |
| The Huntington National Bank | $855,000 | $4,725,000 | 452.6% | 0.2% |
| First Montana Bank, Inc. | $990,000 | $4,625,000 | 367.2% | 0.2% |
| Zions Bancorporation, N.A. | $4,620,000 | n/a | 0.2% | |
| Citibank | $2,170,000 | $4,375,000 | 101.6% | 0.2% |
| Hometown Lenders, Inc. | $4,090,000 | n/a | 0.2% | |
| North American Savings Bank, F.S.B. | $1,435,000 | $3,990,000 | 178.0% | 0.2% |
| Carrington Mortgage Services, LLC | $3,345,000 | $3,925,000 | 17.3% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $710,000 | $3,925,000 | 452.8% | 0.2% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $1,375,000 | $3,890,000 | 182.9% | 0.2% |
| MidFirst Bank | $1,350,000 | $3,790,000 | 180.7% | 0.2% |
| FineMark National Bank & Trust | $275,000 | $3,560,000 | 1,194.5% | 0.1% |
| Washington Trust Bank | $255,000 | $3,545,000 | 1,290.2% | 0.1% |
| Axos Bank | $335,000 | $3,490,000 | 941.8% | 0.1% |
| The Federal Savings Bank | $3,000,000 | $3,480,000 | 16.0% | 0.1% |
| FirstBank | $1,530,000 | $3,445,000 | 125.2% | 0.1% |
| CLEARPATH LENDING | $6,650,000 | $3,425,000 | -48.5% | 0.1% |
| Amerifirst Financial, Inc. | $515,000 | $3,035,000 | 489.3% | 0.1% |
| Willamette Valley Bank | $945,000 | $3,030,000 | 220.6% | 0.1% |
| Hiawatha National Bank | $2,805,000 | n/a | 0.1% | |
| Wyndham Capital Mortgage, Inc. | $3,155,000 | $2,705,000 | -14.3% | 0.1% |
| AMERICAN ADVISORS GROUP | $1,215,000 | $2,690,000 | 121.4% | 0.1% |
| Toyota Financial Savings Bank | $2,580,000 | n/a | 0.1% | |
| LENDSURE MORTGAGE CORP. | $2,535,000 | n/a | 0.1% | |
| VILLAGE CAPITAL & INVESTMENT LLC | $660,000 | $2,510,000 | 280.3% | 0.1% |
| Origin Bank | $2,505,000 | n/a | 0.1% | |
| SOFI LENDING CORP. | $1,160,000 | $2,495,000 | 115.1% | 0.1% |
| Silicon Valley Bank | $2,485,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $570,000 | $2,440,000 | 328.1% | 0.1% |
| Nations Lending Corporation | $1,210,000 | $2,395,000 | 97.9% | 0.1% |
| CORNERSTONE HOME LENDING, INC. | $3,460,000 | $2,290,000 | -33.8% | 0.1% |
| Northpointe Bank | $780,000 | $2,220,000 | 184.6% | 0.1% |
| HOMESTEAD FUNDING CORP. | $375,000 | $2,190,000 | 484.0% | 0.1% |
| Cf Bank | $965,000 | $2,155,000 | 123.3% | 0.1% |
| STEARNS LENDING, LLC | $1,705,000 | $2,150,000 | 26.1% | 0.1% |
| Stock Yards Bank & Trust Company | $385,000 | $2,125,000 | 451.9% | 0.1% |
| Truist Bank | $2,515,000 | $2,105,000 | -16.3% | 0.1% |
| ARC HOME LLC | $2,050,000 | n/a | 0.1% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $2,050,000 | n/a | 0.1% | |
| TIB The Independent Bankersbank | $3,445,000 | $2,010,000 | -41.7% | 0.1% |
| PCMA, INC. | $2,000,000 | n/a | 0.1% | |
| ENVOY MORTGAGE, LTD | $470,000 | $1,915,000 | 307.4% | 0.1% |
| AMCAP MORTGAGE, LTD. | $1,195,000 | $1,855,000 | 55.2% | 0.1% |
| CHERRY CREEK MORTGAGE, LLC | $2,075,000 | $1,850,000 | -10.8% | 0.1% |
| PHH Mortgage Corporation | $645,000 | $1,850,000 | 186.8% | 0.1% |
| First Financial Bank | $1,820,000 | n/a | 0.1% | |
| Bremer Bank | $1,760,000 | n/a | 0.1% | |
| CELEBRITY HOME LOANS, LLC | $1,685,000 | n/a | 0.1% | |
| FirstOak Bank | $1,655,000 | n/a | 0.1% | |
| Affiliated Bank | $1,635,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $2,490,000 | $1,610,000 | -35.3% | 0.1% |
| 21ST MORTGAGE CORPORATION | $830,000 | $1,595,000 | 92.2% | 0.1% |
| Umpqua Bank | $1,450,000 | $1,585,000 | 9.3% | 0.1% |
| BMO Harris Bank | $1,580,000 | n/a | 0.1% | |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $1,570,000 | n/a | 0.1% | |
| FirstBank | $1,530,000 | $1,510,000 | -1.3% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $1,025,000 | $1,510,000 | 47.3% | 0.1% |
| Low VA Rates, LLC | $520,000 | $1,510,000 | 190.4% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $4,035,000 | $1,475,000 | -63.4% | 0.1% |
| Goldman Sachs Bank USA | $1,590,000 | $1,455,000 | -8.5% | 0.1% |
| TOWNE MORTGAGE COMPANY | $3,285,000 | $1,450,000 | -55.9% | 0.1% |
| GoPrime Mortgage, Inc. | $670,000 | $1,435,000 | 114.2% | 0.1% |
| PLANET HOME LENDING, LLC | $1,675,000 | $1,435,000 | -14.3% | 0.1% |
| First Horizon Bank | $505,000 | $1,415,000 | 180.2% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $450,000 | $1,400,000 | 211.1% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,290,000 | $1,370,000 | 6.2% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $1,150,000 | $1,365,000 | 18.7% | 0.1% |
| CANOPY MORTGAGE, LLC | $1,350,000 | n/a | 0.1% | |
| LEADERONE FINANCIAL CORPORATION | $1,340,000 | n/a | 0.1% | |
| CHEVRON | $1,150,000 | $1,335,000 | 16.1% | 0.1% |
| Carrollton Bank | $1,325,000 | n/a | 0.1% | |
| Rocky Mountain Bank | $620,000 | $1,325,000 | 113.7% | 0.1% |
| Equity Prime Mortgage LLC | $1,320,000 | n/a | 0.1% | |
| Arvest Bank | $880,000 | $1,295,000 | 47.2% | 0.1% |
| TCF National Bank | $1,830,000 | $1,280,000 | -30.1% | 0.1% |
| First Dakota National Bank | $620,000 | $1,255,000 | 102.4% | 0.1% |
| Gateway First Bank | $1,215,000 | n/a | 0.0% | |
| UNIVERSAL LENDING CORPORATION | $6,965,000 | $1,215,000 | -82.6% | 0.0% |
| SOVEREIGN LENDING GROUP INCORPORATED | $1,370,000 | $1,175,000 | -14.2% | 0.0% |
| ZILLOW HOME LOANS, LLC | $1,165,000 | n/a | 0.0% | |
| CORNHUSKER BANK | $1,155,000 | n/a | 0.0% | |
| Paramount Residential Mortgage Group, Inc. | $1,595,000 | $1,155,000 | -27.6% | 0.0% |
| Commerce Home Mortgage, Inc. | $1,080,000 | n/a | 0.0% | |
| CMG MORTGAGE, INC. | $690,000 | $1,050,000 | 52.2% | 0.0% |
| ACCELERATE MORTGAGE, LLC | $465,000 | $1,045,000 | 124.7% | 0.0% |
| BNC National Bank | $1,480,000 | $1,045,000 | -29.4% | 0.0% |
| Citizens Bank | $1,165,000 | $1,025,000 | -12.0% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $995,000 | $1,005,000 | 1.0% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $1,005,000 | n/a | 0.0% | |
| Bank of England | $865,000 | $990,000 | 14.5% | 0.0% |
| REVERSE MORTGAGE FUNDING LLC | $1,200,000 | $980,000 | -18.3% | 0.0% |
| Bank of Ann Arbor | $965,000 | n/a | 0.0% | |
| First Home Bank | $740,000 | $955,000 | 29.1% | 0.0% |
| Florida Capital Bank | $940,000 | n/a | 0.0% | |
| Magnolia Bank | $1,280,000 | $930,000 | -27.3% | 0.0% |
| The Central Trust Bank | $930,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $920,000 | n/a | 0.0% | |
| First State Bank of St. Charles, Missouri | $1,220,000 | $915,000 | -25.0% | 0.0% |
| RBC Bank, (Georgia) | $1,670,000 | $865,000 | -48.2% | 0.0% |
| Discover Bank | $390,000 | $835,000 | 114.1% | 0.0% |
| RESIDENTIAL BANCORP. | $835,000 | n/a | 0.0% | |
| Renasant Bank | $295,000 | $830,000 | 181.4% | 0.0% |
| SECURITY SERVICE | $1,785,000 | $825,000 | -53.8% | 0.0% |
| TIAA, FSB | $435,000 | $815,000 | 87.4% | 0.0% |
| Montana Federal Credit Union | $800,000 | n/a | 0.0% | |
| ON Q FINANCIAL, INC. | $495,000 | $800,000 | 61.6% | 0.0% |
| First National Bank of Omaha | $765,000 | n/a | 0.0% | |
| 1st Security Bank of Washington | $800,000 | $760,000 | -5.0% | 0.0% |
| INLAND BANK & TRUST | $485,000 | $750,000 | 54.6% | 0.0% |
| DATA MORTGAGE, INC. | $560,000 | $740,000 | 32.1% | 0.0% |
| DRAPER AND KRAMER MORTGAGE CORP. | $740,000 | n/a | 0.0% | |
| FIDELITY BANK | $730,000 | n/a | 0.0% | |
| IDAHO CENTRAL | $335,000 | $725,000 | 116.4% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $705,000 | n/a | 0.0% | |
| First National Bank | $705,000 | n/a | 0.0% | |
| Elements Financial Federal Credit Union | $675,000 | n/a | 0.0% | |
| Ixonia Bank | $660,000 | n/a | 0.0% | |
| MOUNTAIN AMERICA | $245,000 | $645,000 | 163.3% | 0.0% |
| SPRING EQ, LLC | $35,000 | $615,000 | 1,657.1% | 0.0% |
| Bell Bank | $605,000 | n/a | 0.0% | |
| Deseret First Credit Union | $605,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $710,000 | $605,000 | -14.8% | 0.0% |
| DELMAR FINANCIAL COMPANY | $315,000 | $590,000 | 87.3% | 0.0% |
| First Internet Bank of Indiana | $760,000 | $590,000 | -22.4% | 0.0% |
| SUMMIT FUNDING, INC. | $570,000 | n/a | 0.0% | |
| KS StateBank | $910,000 | $545,000 | -40.1% | 0.0% |
| LENDERFI, INC. | $545,000 | n/a | 0.0% | |
| Stride Bank | $545,000 | n/a | 0.0% | |
| Strong Home Mortgage, LLC | $545,000 | n/a | 0.0% | |
| Texas Security Bank | $485,000 | $545,000 | 12.4% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $3,615,000 | $540,000 | -85.1% | 0.0% |
| Figure Lending LLC | $170,000 | $535,000 | 214.7% | 0.0% |
| Watermark Capital, Inc. | $535,000 | n/a | 0.0% | |
| BM Real Estate Services, Inc. | $530,000 | n/a | 0.0% | |
| Manufacturers and Traders Trust Company | $530,000 | n/a | 0.0% | |
| NBH Bank | $295,000 | $505,000 | 71.2% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $110,000 | $505,000 | 359.1% | 0.0% |
| WINGS FINANCIAL | $265,000 | $495,000 | 86.8% | 0.0% |
| OCMBC, INC. | $485,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $450,000 | $460,000 | 2.2% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $455,000 | n/a | 0.0% | |
| Neighborhood National Bank | $455,000 | n/a | 0.0% | |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $115,000 | $445,000 | 287.0% | 0.0% |
| Sauk Valley Bank & Trust Company | $445,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $435,000 | n/a | 0.0% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $135,000 | $435,000 | 222.2% | 0.0% |
| KELLER MORTGAGE, LLC | $2,960,000 | $425,000 | -85.6% | 0.0% |
| Farmers State Bank | $145,000 | $415,000 | 186.2% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $430,000 | $415,000 | -3.5% | 0.0% |
| Community First National Bank | $325,000 | $405,000 | 24.6% | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | $395,000 | n/a | 0.0% | |
| Northwest Bank | $395,000 | n/a | 0.0% | |
| SIWELL, INC. | $395,000 | n/a | 0.0% | |
| F&A Federal Credit Union | $375,000 | n/a | 0.0% | |
| The First, A National Banking Association | $365,000 | n/a | 0.0% | |
| First Guaranty Mortgage Corporation | $3,065,000 | $355,000 | -88.4% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $245,000 | $355,000 | 44.9% | 0.0% |
| Alliance Bank Central Texas | $345,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $870,000 | $340,000 | -60.9% | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | $285,000 | $340,000 | 19.3% | 0.0% |
| MORIA DEVELOPMENT, INC. | $335,000 | n/a | 0.0% | |
| Meridian Bank Corporation | $1,230,000 | $325,000 | -73.6% | 0.0% |
| SPOKANE TEACHERS | $325,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,860,000 | $305,000 | -83.6% | 0.0% |
| Fidelity Bank | $305,000 | n/a | 0.0% | |
| FIRST COLONY MORTGAGE CORPORATION | $305,000 | n/a | 0.0% | |
| IMPAC MORTGAGE CORP. | $1,235,000 | $305,000 | -75.3% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $295,000 | n/a | 0.0% | |
| RELIANCE FIRST CAPITAL, LLC | $595,000 | $290,000 | -51.3% | 0.0% |
| SOUTHWEST FUNDING, LP | $285,000 | n/a | 0.0% | |
| Sunflower Bank | $760,000 | $285,000 | -62.5% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $795,000 | $265,000 | -66.7% | 0.0% |
| First Savings Bank | $785,000 | $265,000 | -66.2% | 0.0% |
| InterContinental Capital Group, Inc | $265,000 | n/a | 0.0% | |
| American Bank Center | $630,000 | $245,000 | -61.1% | 0.0% |
| AXIA FINANCIAL, LLC | $515,000 | $245,000 | -52.4% | 0.0% |
| City Bank | $245,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $165,000 | $245,000 | 48.5% | 0.0% |
| First Western Trust Bank | $515,000 | $235,000 | -54.4% | 0.0% |
| KINECTA | $1,550,000 | $235,000 | -84.8% | 0.0% |
| S1L, Inc. | $465,000 | $235,000 | -49.5% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $225,000 | n/a | 0.0% | |
| THRIVE MORTGAGE, LLC | $225,000 | n/a | 0.0% | |
| Colonial Savings, F.A. | $550,000 | $205,000 | -62.7% | 0.0% |
| First Bank & Trust | $660,000 | $205,000 | -68.9% | 0.0% |
| Rock Canyon Bank | $345,000 | $205,000 | -40.6% | 0.0% |
| Visio Financial Services Inc. | $205,000 | n/a | 0.0% | |
| First Federal Bank | $470,000 | $185,000 | -60.6% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $455,000 | $185,000 | -59.3% | 0.0% |
| GEORGIA'S OWN | $170,000 | n/a | 0.0% | |
| LENDINGONE, LLC | $165,000 | n/a | 0.0% | |
| Altana Federal Credit Union | $155,000 | n/a | 0.0% | |
| Mazuma Credit Union | $155,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $155,000 | n/a | 0.0% | |
| Servion, Inc. | $155,000 | n/a | 0.0% | |
| Academy Bank | $145,000 | n/a | 0.0% | |
| STAR ONE CREDIT UNION | $305,000 | $145,000 | -52.5% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $930,000 | $135,000 | -85.5% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $135,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $135,000 | n/a | 0.0% | |
| BOKF | $740,000 | $85,000 | -88.5% | 0.0% |
| Alaska USA Federal Credit Union | $65,000 | n/a | 0.0% | |
| BANKWEST, INC. | $65,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $730,000 | $65,000 | -91.1% | 0.0% |
| DEPARTMENT OF THE INTERIOR FEDERAL CREDIT UNION | $65,000 | n/a | 0.0% | |
| LOS ANGELES POLICE Federal Credit Union | $55,000 | n/a | 0.0% |
Kalispell's top lender by overall market share is Glacier Bank, with 13.1% market share. In second place, with 8.3%, is MANN FINANCIAL INC., having originated $200,720,000 in loans. In third place, with 8.2%, is BAY EQUITY LLC, having originated $200,430,000 in loans. In third place, with 6.5%, is First Interstate Bank, having originated $157,445,000 in loans. In third place, with 5.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $130,640,000 in loans.
Kalispell, MT Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,295 | $1,124,565,000 | $490,007 |
| Refi | 2,152 | $668,780,000 | $310,771 |
| Cash Out Refi | 1,582 | $535,160,000 | $338,281 |
| Home Improvement | 231 | $38,975,000 | $168,723 |
| Other | 195 | $64,415,000 | $330,333 |
| NA | 1 | $465,000 | $465,000 |
Kalispell's most frequently cited loan purpose was Home Purchase, with 2,295 originations. The 2nd most popular reason was Refi, with 2,152 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 2,394 | $952,200,000 | $397,744 |
| 2.5-3% | 2,392 | $866,570,000 | $362,278 |
| <2.5% | 889 | $338,215,000 | $380,444 |
| 4-5% | 572 | $190,890,000 | $333,724 |
| 5-6% | 55 | $18,665,000 | $339,364 |
| 7-8% | 28 | $2,310,000 | $82,500 |
| 6-7% | 18 | $1,910,000 | $106,111 |
| Over 8% | 15 | $1,385,000 | $92,333 |
During 2021, Kalispell's most frequently originated rate bucket was 3-4%, with 2,394 originations.
Loan Sizing (Kalispell, MT MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 3,267 | $954,245,000 | $292,086 |
| $400k-600k | 1,230 | $590,950,000 | $480,447 |
| $100k-200k | 1,085 | $167,075,000 | $153,986 |
| $100,000 or less | 347 | $21,055,000 | $60,677 |
| $600k-1000k | 319 | $237,315,000 | $743,934 |
| $Over $1MM | 208 | $461,720,000 | $2,219,808 |
Kalispell's loan sizing saw the bucket of loans from $200k-400k with 3,267 originations, totaling $954,245,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 2,201 | $973,335,000 | $442,224 |
| 40-60% | 1,457 | $524,985,000 | $360,319 |
| 80-100% | 1,329 | $578,525,000 | $435,309 |
| 20-40% | 790 | $190,660,000 | $241,342 |
| Under 20% | 363 | $36,265,000 | $99,904 |
| Over 100% | 48 | $20,740,000 | $432,083 |
Kalispell's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 2,201 originations, totaling $973,335,000 in origination value.
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 | $482,000 (4.3%) | $952,923 (7.8%) | 0.00 | 803 |
| 2018-02-01 | $489,000 (5.4%) | $949,334 (7.4%) | 0.00 | 784 |
| 2018-03-01 | $489,000 (4.3%) | $931,555 (3.3%) | 0.00 | 831 |
| 2018-04-01 | $499,000 (5.1%) | $971,193 (4.9%) | 0.00 | 848 |
| 2018-05-01 | $499,000 (1.4%) | $924,968 (-0.5%) | 0.00 | 948 |
| 2018-06-01 | $499,000 (3.3%) | $884,436 (-2.9%) | 0.00 | 1,124 |
| 2018-07-01 | $495,000 (1.0%) | $881,643 (-3.4%) | 0.00 | 1,269 |
| 2018-08-01 | $498,750 (0.4%) | $882,431 (-3.1%) | 0.00 | 1,316 |
| 2018-09-01 | $495,000 (-0.8%) | $872,439 (-5.0%) | 0.00 | 1,310 |
| 2018-10-01 | $489,450 (-1.0%) | $870,856 (-4.0%) | 0.00 | 1,243 |
| 2018-11-01 | $487,000 (1.0%) | $839,393 (-8.0%) | 0.00 | 1,118 |
| 2018-12-01 | $480,000 (1.1%) | $844,885 (-9.0%) | 0.00 | 1,030 |
| 2019-01-01 | $484,950 (0.6%) | $869,652 (-8.7%) | 0.00 | 901 |
| 2019-02-01 | $479,450 (-2.0%) | $866,070 (-8.8%) | 0.00 | 839 |
| 2019-03-01 | $496,429 (1.5%) | $883,614 (-5.2%) | 0.00 | 838 |
| 2019-04-01 | $525,000 (5.2%) | $899,615 (-7.4%) | 0.00 | 877 |
| 2019-05-01 | $520,000 (4.2%) | $856,174 (-7.4%) | 0.00 | 1,002 |
| 2019-06-01 | $525,000 (5.2%) | $825,484 (-6.7%) | 0.00 | 1,103 |
| 2019-07-01 | $499,000 (0.8%) | $815,505 (-7.5%) | 0.00 | 1,183 |
| 2019-08-01 | $488,143 (-2.1%) | $817,234 (-7.4%) | 0.00 | 1,175 |
| 2019-09-01 | $482,643 (-2.5%) | $821,428 (-5.9%) | 0.00 | 1,118 |
| 2019-10-01 | $494,000 (0.9%) | $851,825 (-2.2%) | 0.00 | 1,033 |
| 2019-11-01 | $499,000 (2.5%) | $901,328 (7.4%) | 0.00 | 907 |
| 2019-12-01 | $497,000 (3.5%) | $939,699 (11.2%) | 0.00 | 817 |
| 2020-01-01 | $497,500 (2.6%) | $945,798 (8.8%) | 0.00 | 714 |
| 2020-02-01 | $484,900 (1.1%) | $953,518 (10.1%) | 0.00 | 650 |
| 2020-03-01 | $477,350 (-3.8%) | $920,208 (4.1%) | 0.00 | 674 |
| 2020-04-01 | $479,500 (-8.7%) | $876,339 (-2.6%) | 0.00 | 770 |
| 2020-05-01 | $500,000 (-3.9%) | $889,440 (3.9%) | 0.00 | 761 |
| 2020-06-01 | $524,400 (-0.1%) | $905,156 (9.7%) | 0.00 | 739 |
| 2020-07-01 | $544,000 (9.0%) | $966,572 (18.5%) | 0.00 | 680 |
| 2020-08-01 | $545,000 (11.7%) | $999,040 (22.3%) | 0.00 | 642 |
| 2020-09-01 | $559,495 (15.9%) | $1,116,257 (35.9%) | 0.00 | 590 |
| 2020-10-01 | $549,900 (11.3%) | $1,147,290 (34.7%) | 0.00 | 512 |
| 2020-11-01 | $539,000 (8.0%) | $1,197,414 (32.9%) | 0.00 | 476 |
| 2020-12-01 | $482,500 (-2.9%) | $1,159,630 (23.4%) | 0.00 | 453 |
| 2021-01-01 | $449,000 (-9.8%) | $1,091,571 (15.4%) | 0.00 | 400 |
| 2021-02-01 | $432,450 (-10.8%) | $1,117,314 (17.2%) | 0.00 | 310 |
| 2021-03-01 | $469,500 (-1.6%) | $1,101,433 (19.7%) | 0.00 | 332 |
| 2021-04-01 | $514,500 (7.3%) | $1,099,657 (25.5%) | 0.00 | 370 |
| 2021-05-01 | $595,000 (19.0%) | $1,052,004 (18.3%) | 0.00 | 409 |
| 2021-06-01 | $622,500 (18.7%) | $1,175,766 (29.9%) | 0.00 | 476 |
| 2021-07-01 | $692,500 (27.3%) | $1,220,336 (26.3%) | 0.00 | 549 |
| 2021-08-01 | $722,522 (32.6%) | $1,216,611 (21.8%) | 0.00 | 568 |
| 2021-09-01 | $709,412 (26.8%) | $1,225,489 (9.8%) | 0.00 | 596 |
| 2021-10-01 | $719,900 (30.9%) | $1,238,946 (8.0%) | 0.00 | 547 |
| 2021-11-01 | $685,700 (27.2%) | $1,220,088 (1.9%) | 0.00 | 476 |
| 2021-12-01 | $677,000 (40.3%) | $1,252,487 (8.0%) | 0.00 | 435 |
| 2022-01-01 | $475,000 (5.8%) | $1,148,593 (5.2%) | 0.00 | 436 |
| 2022-02-01 | $458,900 (6.1%) | $1,090,224 (-2.4%) | 0.00 | 409 |
| 2022-03-01 | $467,900 (-0.3%) | $1,108,480 (0.6%) | 0.00 | 407 |
| 2022-04-01 | $529,900 (3.0%) | $1,122,454 (2.1%) | 0.00 | 442 |
| 2022-05-01 | $592,000 (-0.5%) | $1,155,248 (9.8%) | 0.00 | 521 |
| 2022-06-01 | $670,000 (7.6%) | $1,190,522 (1.3%) | 0.00 | 653 |
Kalispell's median listing price for 2022-06-01 was $670,000, a difference of
$47,500
(7.6%) versus the prior year and
$78,000 versus the prior month.
Kalispell's median listing price comes in at 0% of the national average.
Kalispell's average listing price for 2022-06-01 was $1,190,522, a difference of $14,756 (1.3%) versus the prior year and $35,274 versus the prior month.
For the 2022-06-01 period, Kalispell had 653 MLS listings, a difference of 132 listings (25%) versus the prior month and 177 listings (37%) versus the prior year.
Kalispell's median listing price comes in at 0% of the national average.
Kalispell's average listing price for 2022-06-01 was $1,190,522, a difference of $14,756 (1.3%) versus the prior year and $35,274 versus the prior month.
For the 2022-06-01 period, Kalispell had 653 MLS listings, a difference of 132 listings (25%) versus the prior month and 177 listings (37%) 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 | 2,432 sqft |
| 2018-02-01 | 0 days | 2,414 sqft |
| 2018-03-01 | 0 days | 2,427 sqft |
| 2018-04-01 | 0 days | 2,455 sqft |
| 2018-05-01 | 0 days | 2,426 sqft |
| 2018-06-01 | 0 days | 2,435 sqft |
| 2018-07-01 | 0 days | 2,407 sqft |
| 2018-08-01 | 0 days | 2,427 sqft |
| 2018-09-01 | 0 days | 2,417 sqft |
| 2018-10-01 | 0 days | 2,416 sqft |
| 2018-11-01 | 0 days | 2,368 sqft |
| 2018-12-01 | 0 days | 2,333 sqft |
| 2019-01-01 | 0 days | 2,304 sqft |
| 2019-02-01 | 0 days | 2,236 sqft |
| 2019-03-01 | 0 days | 2,289 sqft |
| 2019-04-01 | 0 days | 2,380 sqft |
| 2019-05-01 | 0 days | 2,414 sqft |
| 2019-06-01 | 0 days | 2,405 sqft |
| 2019-07-01 | 0 days | 2,323 sqft |
| 2019-08-01 | 0 days | 2,305 sqft |
| 2019-09-01 | 0 days | 2,272 sqft |
| 2019-10-01 | 0 days | 2,318 sqft |
| 2019-11-01 | 0 days | 2,332 sqft |
| 2019-12-01 | 0 days | 2,258 sqft |
| 2020-01-01 | 0 days | 2,238 sqft |
| 2020-02-01 | 0 days | 2,160 sqft |
| 2020-03-01 | 0 days | 2,178 sqft |
| 2020-04-01 | 0 days | 2,197 sqft |
| 2020-05-01 | 0 days | 2,203 sqft |
| 2020-06-01 | 0 days | 2,221 sqft |
| 2020-07-01 | 0 days | 2,231 sqft |
| 2020-08-01 | 0 days | 2,100 sqft |
| 2020-09-01 | 0 days | 2,151 sqft |
| 2020-10-01 | 0 days | 2,102 sqft |
| 2020-11-01 | 0 days | 2,077 sqft |
| 2020-12-01 | 0 days | 1,950 sqft |
| 2021-01-01 | 0 days | 1,736 sqft |
| 2021-02-01 | 0 days | 1,760 sqft |
| 2021-03-01 | 0 days | 1,666 sqft |
| 2021-04-01 | 0 days | 1,919 sqft |
| 2021-05-01 | 0 days | 1,934 sqft |
| 2021-06-01 | 0 days | 1,919 sqft |
| 2021-07-01 | 0 days | 1,927 sqft |
| 2021-08-01 | 0 days | 2,021 sqft |
| 2021-09-01 | 0 days | 2,060 sqft |
| 2021-10-01 | 0 days | 1,998 sqft |
| 2021-11-01 | 0 days | 1,954 sqft |
| 2021-12-01 | 0 days | 1,930 sqft |
| 2022-01-01 | 0 days | 1,532 sqft |
| 2022-02-01 | 0 days | 1,406 sqft |
| 2022-03-01 | 0 days | 1,440 sqft |
| 2022-04-01 | 0 days | 1,532 sqft |
| 2022-05-01 | 0 days | 1,604 sqft |
| 2022-06-01 | 0 days | 1,808 sqft |
Kalispell's median listing age (time on market) for 2022-06-01 was 0 days.
Kalispell's median square footage for active listings during the 2022-06-01 period was 1,808 sqft. One year prior, the average listing was 1,919 sqft.
Kalispell's median square footage for active listings during the 2022-06-01 period was 1,808 sqft. One year prior, the average listing was 1,919 sqft.
