Kalispell Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Kalispell averaged 6.35% for the week of 2024-10-03, compared to the national average of 6.12% for the same period.

The average rate for the prior week (2024-09-26) was 6.31% and one month ago for the week of 2024-08-29, the average rate was 6.18%.

Kalispell's average rate one year ago was 7.34%.

For refis of the same type during the week of 2024-10-03, the average rate was 6.42%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-03 6.12%
Kalispell 30 Year Fixed Rate 2024-10-03 6.35%
Kalispell 30 Year Fixed Rate Refi 2024-10-03 6.42%
Kalispell 15 Year Fixed Rate 2024-10-03 5.45%
Kalispell 15 Year Fixed Rate Refi 2024-10-03 5.45%
Kalispell 30 Year FHA 2024-10-03 5.27%
Kalispell 30 Year FHA Refi 2024-10-03 5.99%
Kalispell 30 Year USDA 2024-10-03 6.17%
Kalispell 30 Year USDA Refi 2024-10-03 5.87%
Kalispell 30 Year VA 2024-10-03 5.7%
Kalispell 30 Year VA Refi 2024-10-03 5.5%
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 lender, 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.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
Glacier Bank 102 6.86% $9,566
UNITED WHOLESALE MORTGAGE, LLC 98 6.77% $7,653
CROSSCOUNTRY MORTGAGE, LLC 89 7.17% $7,212
QUICKEN LOANS, LLC 78 6.81% $9,181
MANN FINANCIAL INC. 43 7.01% $8,962
BAY EQUITY LLC 38 6.58% $6,992
Barrington Bank & Trust Company, N.A. 32 6.88% $8,851
Plains Commerce Bank 22 6.94% $8,517
PARK SIDE FINANCIAL 19 6.67% $2,531
First Interstate Bank 15 6.69% $6,307
Stockman Bank of Montana 13 6.62% $6,337
U.S. Bank 13 6.44% $12,051
Flagstar Bank, FSB 12 6.67% $5,805
Wells Fargo Bank 11 5.94% $8,944
Morgan Stanley Private Bank 10 5.65% $3,886
Prosperity Home Mortgage, LLC 10 6.80% $10,519
Bank of America 9 6.24% $5,509
JPMorgan Chase Bank 7 5.96% $37,037
Stifel Bank and Trust 7 5.50% $3,425
The Huntington National Bank 6 6.44% $14,188
Charles Schwab Bank, SSB 5 5.84% $6,954
Citibank 5 5.05% $8,077
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 6.39% $7,577
CALCON MUTUAL MORTGAGE LLC 5 7.15% $8,989
MUTUAL OF OMAHA MORTGAGE, INC. 4 6.84% $8,617
AMERISAVE MORTGAGE CORPORATION 4 6.56% $11,640
UBS Bank USA 4 6.56% $5,591
USAA Federal Savings Bank 4 6.69% $7,929
GUARANTEED RATE, INC. 4 6.38% $4,095
GUILD MORTGAGE COMPANY 4 7.12% $20,462
CMG MORTGAGE, INC. 4 6.75% $8,553
Century Mortgage Company DBA Century Lending Company 3 6.75% $14,727
RBC Bank, (Georgia) 3 5.67% $3,486
Mr. Cooper ( Nationstar Mortgage ) 3 6.21% $8,359
NBKC BANK 3 6.54% $5,233
FREEDOM MORTGAGE CORPORATION 2 7.19% $9,460
Gateway First Bank 2 6.69% $3,262
Equity Prime Mortgage LLC 2 7.44% $8,790
Mortgage Research Center, LLC 2 5.63% $6,007
PLAZA HOME MORTGAGE, INC. 2 7.69% $10,793
CHURCHILL MORTGAGE CORPORATION 2 7.38% $9,112
BNY Mellon 2 5.50% $6,387
NEXERA HOLDING LLC 2 9.13% $37,585
Washington Trust Bank 2 7.19% $4,594
BMO Harris Bank 2 6.69% $7,195
Pinnacle Bank 2 7.63% $7,903
Quontic Bank 2 8.88% $27,707
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.56% $5,945
Sierra Pacific Mortgage Company, Inc. 2 7.12% $6,770
NAVY FEDERAL CREDIT UNION 2 5.75% $3,478
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.75% $15,138
Opportunity Bank of Montana 2 7.31% $4,944
PREMIA MORTGAGE, LLC 2 6.50% $3,742
WINGS FINANCIAL 1 4.88% $5,424
ADVANCIAL 1 8.75% $27,459
ALLIANT CREDIT UNION 1 6.75% $5,424
Ally Bank 1 5.25% $29,706
American Bank Center 1 6.50% $13,321
AMERICAN FINANCIAL NETWORK, INC. 1 7.00% $15,644
AMERICAN FINANCING CORPORATION 1 6.50% $4,320
AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.25% $6,444
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 8.63% $13,251
BANKWEST, INC. 1 6.50% $3,246
BETTER MORTGAGE CORPORATION 1 6.38% $15,968
BROKER SOLUTIONS, INC. 1 6.63% $9,461
Cache Valley Bank 1 6.75% $11,775
CALIBER HOME LOANS, INC. 1 5.99% $9,391
CARDINAL FINANCIAL 1 5.99% $3,888
Carrington Mortgage Services, LLC 1 7.25% $9,616
Commerce Home Mortgage, Inc. 1 8.00% $34,103
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 6.00% $5,018
CRESCENT MORTGAGE COMPANY 1 6.88% $9,357
ENVOY MORTGAGE, LTD 1 7.63% $3,479
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 7.13% $12,688
F&A Federal Credit Union 1 6.50% $2,225
Firefighters First Federal Credit Union 1 7.00% $0
First Internet Bank of Indiana 1 5.99% $3,820
FIRST STATE MORTGAGE SERVICES, LLC 1 8.12% $5,027
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.38% $9,640
HOMEXPRESS MORTGAGE CORP. 1 8.88% $17,541
HSBC BANK USA, NATIONAL ASSOCIATION 1 5.92% $3,779
Ixonia Bank 1 6.63% $4,598
KINECTA 1 6.00% $5,787
LOANDEPOT.COM, LLC 1 6.38% $16,826
NEWREZ LLC 1 6.99% $5,152
NexBank 1 6.50% $8,312
Northwest Farm Credit Services, FLCA 1 7.25% $6,247
ON Q FINANCIAL, INC. 1 8.25% $4,572
Paramount Residential Mortgage Group, Inc. 1 6.13% $6,496
PENNYMAC LOAN SERVICES, LLC 1 5.25% $20,510
PENTAGON FEDERAL CREDIT UNION 1 6.00% $4,679
PNC Bank 1 6.50% $5,063
RELIANCE FIRST CAPITAL, LLC 1 6.25% $28,963
Servion, Inc. 1 6.25% $14,933
The Citizens National Bank of Bluffton 1 6.88% $3,039
The Federal Savings Bank 1 8.13% $9,302
Truist 1 5.22% $18,977
Truity Federal Credit Union 1 7.13% $0
UNION HOME MORTGAGE CORP. 1 6.50% $7,763
V.I.P. MORTGAGE, INC. 1 6.13% $3,823
WESCOM CENTRAL CREDIT UNION 1 7.50% $3,440
West Gate Bank 1 7.00% $1,834
Willamette Valley Bank 1 7.00% $19,989
1st Security Bank of Washington 1 7.63% $7,455

Kalispell Average Closing Costs & Other Stats

Kalispell, MT's 104 lenders originated 1,746 loans during 2023. The total origination value was $838,600,000, with an average loan value of $480,298.

Kalispell's average closing costs are $6,216.

The top Kalispell lender as defined by loan originations is Glacier Bank, with 102 loans originated. Their average total fees are $9,566, which is $1,913 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Kalispell lenders (with over 10 loans originated) are PARK SIDE FINANCIAL ($2,531), Morgan Stanley Private Bank ($3,886), Flagstar Bank, FSB ($5,805), First Interstate Bank ($6,307) and Stockman Bank of Montana ($6,337).

The lowest rate Kalispell lenders (with over 10 loans originated) are Morgan Stanley Private Bank (5.65%), Wells Fargo Bank (5.94%), U.S. Bank (6.44%), BAY EQUITY LLC (6.58%) and Stockman Bank of Montana (6.62%).

Kalispell, 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
Glacier Bank $297,240,000 $132,905,000 -55.3% 15.8%
UNITED WHOLESALE MORTGAGE, LLC $86,420,000 $73,850,000 -14.5% 8.8%
CROSSCOUNTRY MORTGAGE, LLC $39,790,000 $59,875,000 50.5% 7.1%
QUICKEN LOANS, LLC $40,965,000 $44,425,000 8.4% 5.3%
Stockman Bank of Montana $31,235,000 $35,900,000 14.9% 4.3%
MANN FINANCIAL INC. $55,990,000 $33,630,000 -39.9% 4.0%
First Interstate Bank $114,820,000 $29,580,000 -74.2% 3.5%
U.S. Bank $29,950,000 $24,320,000 -18.8% 2.9%
JPMorgan Chase Bank $37,955,000 $22,065,000 -41.9% 2.6%
Plains Commerce Bank $29,360,000 $20,020,000 -31.8% 2.4%
GREYSTONE SERVICING COMPANY LLC $19,745,000 n/a 2.4%
BAY EQUITY LLC $89,160,000 $19,685,000 -77.9% 2.3%
CBRE MULTIFAMILY CAPITAL, INC. $19,365,000 n/a 2.3%
Barrington Bank & Trust Company, N.A. $38,575,000 $18,410,000 -52.3% 2.2%
TrailWest Bank $14,925,000 $18,140,000 21.5% 2.2%
Wells Fargo Bank $40,710,000 $10,060,000 -75.3% 1.2%
Bank of America $13,795,000 $8,310,000 -39.8% 1.0%
HomeStreet Bank $8,175,000 n/a 1.0%
UBS Bank USA $1,470,000 $8,030,000 446.3% 1.0%
Citibank $5,200,000 $7,615,000 46.4% 0.9%
Charles Schwab Bank, SSB $9,545,000 $7,060,000 -26.0% 0.8%
Mortgage Research Center, LLC $18,605,000 $6,600,000 -64.5% 0.8%
Morgan Stanley Private Bank $19,530,000 $6,350,000 -67.5% 0.8%
The Huntington National Bank $2,715,000 $6,230,000 129.5% 0.7%
Stifel Bank and Trust $2,750,000 $6,165,000 124.2% 0.7%
Prosperity Home Mortgage, LLC $6,050,000 n/a 0.7%
PARK SIDE FINANCIAL $38,585,000 $5,625,000 -85.4% 0.7%
Flagstar Bank, FSB $19,185,000 $5,255,000 -72.6% 0.6%
CMG MORTGAGE, INC. $4,165,000 $5,005,000 20.2% 0.6%
GUARANTEED RATE, INC. $8,730,000 $4,845,000 -44.5% 0.6%
AMERISAVE MORTGAGE CORPORATION $9,045,000 $4,550,000 -49.7% 0.5%
USAA Federal Savings Bank $5,000,000 $4,140,000 -17.2% 0.5%
Pinnacle Bank $3,770,000 n/a 0.4%
Century Mortgage Company DBA Century Lending Company $445,000 $3,685,000 728.1% 0.4%
NAVY FEDERAL CREDIT UNION $2,955,000 $3,385,000 14.6% 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $12,650,000 $3,255,000 -74.3% 0.4%
CALCON MUTUAL MORTGAGE LLC $3,250,000 n/a 0.4%
Vista Bank $3,005,000 $3,095,000 3.0% 0.4%
BMO Harris Bank $295,000 $3,090,000 947.5% 0.4%
FINANCE OF AMERICA REVERSE LLC $1,185,000 $3,065,000 158.6% 0.4%
GUILD MORTGAGE COMPANY $4,705,000 $3,040,000 -35.4% 0.4%
BNY Mellon $1,935,000 $2,790,000 44.2% 0.3%
NEWREZ LLC $2,070,000 $2,660,000 28.5% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $4,625,000 $2,625,000 -43.2% 0.3%
City National Bank $9,770,000 $2,610,000 -73.3% 0.3%
Washington Trust Bank $825,000 $2,605,000 215.8% 0.3%
Town Bank, N.A. $2,535,000 n/a 0.3%
Beverly Bank & Trust $680,000 $2,390,000 251.5% 0.3%
21ST MORTGAGE CORPORATION $2,115,000 $2,375,000 12.3% 0.3%
PENNYMAC LOAN SERVICES, LLC $11,175,000 $2,360,000 -78.9% 0.3%
Mechanics Bank $2,295,000 n/a 0.3%
Commerce Home Mortgage, Inc. $1,945,000 $2,285,000 17.5% 0.3%
NEXERA HOLDING LLC $2,280,000 n/a 0.3%
Equity Prime Mortgage LLC $1,145,000 $2,270,000 98.3% 0.3%
PLAZA HOME MORTGAGE, INC. $1,055,000 $2,135,000 102.4% 0.3%
Quontic Bank $2,060,000 n/a 0.2%
GENEVA FINANCIAL, LLC $2,005,000 n/a 0.2%
NP, Inc. $2,005,000 n/a 0.2%
RBC Bank, (Georgia) $1,170,000 $1,975,000 68.8% 0.2%
The Northern Trust Company $1,825,000 n/a 0.2%
FREEDOM MORTGAGE CORPORATION $8,685,000 $1,685,000 -80.6% 0.2%
Truist $6,335,000 $1,580,000 -75.1% 0.2%
Paramount Residential Mortgage Group, Inc. $4,270,000 $1,570,000 -63.2% 0.2%
MidFirst Bank $1,505,000 n/a 0.2%
ADVANCIAL $1,695,000 $1,430,000 -15.6% 0.2%
NBKC BANK $2,250,000 $1,405,000 -37.6% 0.2%
Bank of England $1,380,000 n/a 0.2%
LOANDEPOT.COM, LLC $13,505,000 $1,370,000 -89.9% 0.2%
LAKEVIEW LOAN SERVICING, LLC $4,705,000 $1,355,000 -71.2% 0.2%
Mr. Cooper ( Nationstar Mortgage ) $5,820,000 $1,350,000 -76.8% 0.2%
Sierra Pacific Mortgage Company, Inc. $255,000 $1,260,000 394.1% 0.2%
WINGS FINANCIAL $555,000 $1,240,000 123.4% 0.1%
CARDINAL FINANCIAL $3,105,000 $1,170,000 -62.3% 0.1%
Citadel Servicing Corporation $520,000 $1,160,000 123.1% 0.1%
Opportunity Bank of Montana $2,585,000 $1,110,000 -57.1% 0.1%
PLANET HOME LENDING, LLC $365,000 $1,110,000 204.1% 0.1%
FineMark National Bank & Trust $1,075,000 n/a 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $3,070,000 $1,070,000 -65.1% 0.1%
AMERICAN FINANCING CORPORATION $3,745,000 $1,045,000 -72.1% 0.1%
Truity Federal Credit Union $1,010,000 n/a 0.1%
Figure Lending LLC $730,000 $990,000 35.6% 0.1%
The Federal Savings Bank $4,485,000 $990,000 -77.9% 0.1%
American Heritage National Bank $985,000 n/a 0.1%
AMERICAN FINANCIAL NETWORK, INC. $980,000 n/a 0.1%
MOUNTAIN AMERICA $1,040,000 $955,000 -8.2% 0.1%
Libertyville Bank & Trust $2,410,000 $935,000 -61.2% 0.1%
PNC Bank $9,185,000 $920,000 -90.0% 0.1%
BROKER SOLUTIONS, INC. $3,790,000 $910,000 -76.0% 0.1%
OCMBC, INC. $1,010,000 $900,000 -10.9% 0.1%
VILLAGE CAPITAL MORTGAGE $570,000 $895,000 57.0% 0.1%
Firefighters First Federal Credit Union $205,000 $875,000 326.8% 0.1%
PREMIA MORTGAGE, LLC $485,000 $870,000 79.4% 0.1%
Discover Bank $760,000 $845,000 11.2% 0.1%
Emprise Bank $825,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $860,000 $780,000 -9.3% 0.1%
CLEARPATH LENDING $1,345,000 $775,000 -42.4% 0.1%
ALLIANT CREDIT UNION $235,000 $755,000 221.3% 0.1%
FIRST STATE MORTGAGE SERVICES, LLC $755,000 n/a 0.1%
Cache Valley Bank $735,000 n/a 0.1%
AMCAP MORTGAGE, LTD. $725,000 n/a 0.1%
American Bank Center $1,460,000 $725,000 -50.3% 0.1%
CALIBER HOME LOANS, INC. $2,425,000 $725,000 -70.1% 0.1%
First Internet Bank of Indiana $635,000 $725,000 14.2% 0.1%
RELIANCE FIRST CAPITAL, LLC $950,000 $725,000 -23.7% 0.1%
Servion, Inc. $725,000 n/a 0.1%
St Charles Bank & Trust $2,900,000 $725,000 -75.0% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $4,640,000 $695,000 -85.0% 0.1%
KINECTA $695,000 n/a 0.1%
Wintrust Bank, N.A. $695,000 n/a 0.1%
Willamette Valley Bank $645,000 $685,000 6.2% 0.1%
Hinsdale Bank & Trust Company $655,000 n/a 0.1%
Gateway First Bank $405,000 $640,000 58.0% 0.1%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $285,000 $635,000 122.8% 0.1%
HOMEXPRESS MORTGAGE CORP. $600,000 $635,000 5.8% 0.1%
ON Q FINANCIAL, INC. $635,000 n/a 0.1%
Ally Bank $3,680,000 $605,000 -83.6% 0.1%
THRIVENT Federal Credit Union $605,000 n/a 0.1%
WESCOM CENTRAL CREDIT UNION $595,000 n/a 0.1%
TOWER $95,000 $585,000 515.8% 0.1%
GTE Federal Credit Union $155,000 $570,000 267.7% 0.1%
First Montana Bank, Inc. $2,980,000 $560,000 -81.2% 0.1%
HSBC BANK USA, NATIONAL ASSOCIATION $555,000 n/a 0.1%
NEW DAY FINANCIAL, LLC $4,055,000 $550,000 -86.4% 0.1%
BANKWEST, INC. $535,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,200,000 $520,000 -56.7% 0.1%
BETTER MORTGAGE CORPORATION $1,910,000 $505,000 -73.6% 0.1%
MEGASTAR FINANCIAL CORP. $505,000 n/a 0.1%
UNION HOME MORTGAGE CORP. $485,000 n/a 0.1%
MOVEMENT MORTGAGE, LLC $585,000 $475,000 -18.8% 0.1%
SUMMIT FUNDING, INC. $475,000 n/a 0.1%
First United Bank $465,000 n/a 0.1%
Dacotah Bank $455,000 n/a 0.1%
OAKTREE FUNDING CORP. $455,000 n/a 0.1%
TRIAD FINANCIAL SERVICES, INC. $300,000 $455,000 51.7% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $435,000 n/a 0.1%
SPRING EQ, LLC $1,345,000 $430,000 -68.0% 0.1%
A&D Mortgage LLC $425,000 n/a 0.1%
First National Bank of Central Texas $425,000 n/a 0.1%
Ixonia Bank $425,000 n/a 0.1%
V.I.P. MORTGAGE, INC. $325,000 $420,000 29.2% 0.1%
1st Security Bank of Washington $500,000 $415,000 -17.0% 0.0%
BOKF $415,000 n/a 0.0%
F&A Federal Credit Union $405,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $7,770,000 $405,000 -94.8% 0.0%
STANFORD Federal Credit Union $405,000 n/a 0.0%
The Citizens National Bank of Bluffton $405,000 n/a 0.0%
TOWNE MORTGAGE COMPANY $405,000 n/a 0.0%
Magnolia Bank $385,000 n/a 0.0%
Dieterich Bank $375,000 n/a 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $635,000 $375,000 -40.9% 0.0%
CRESCENT MORTGAGE COMPANY $1,880,000 $365,000 -80.6% 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $365,000 n/a 0.0%
ARC HOME LLC $355,000 n/a 0.0%
Carrington Mortgage Services, LLC $1,165,000 $355,000 -69.5% 0.0%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $1,405,000 $345,000 -75.4% 0.0%
West Gate Bank $345,000 n/a 0.0%
NATIONS DIRECT MORTGAGE, LLC $860,000 $315,000 -63.4% 0.0%
Cedar Rapids Bank and Trust Company $305,000 n/a 0.0%
LOS ANGELES POLICE Federal Credit Union $105,000 $305,000 190.5% 0.0%
Northwest Farm Credit Services, FLCA $2,005,000 $305,000 -84.8% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $3,635,000 $245,000 -93.3% 0.0%
BM Real Estate Services, Inc. $245,000 n/a 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $635,000 $235,000 -63.0% 0.0%
LENDSURE MORTGAGE CORP. $2,940,000 $235,000 -92.0% 0.0%
NBH Bank $860,000 $205,000 -76.2% 0.0%
ENVOY MORTGAGE, LTD $385,000 $185,000 -51.9% 0.0%
NexBank $385,000 $175,000 -54.5% 0.0%
PHH Mortgage Corporation $2,915,000 $175,000 -94.0% 0.0%
IDAHO CENTRAL $115,000 $165,000 43.5% 0.0%
Utah Power $165,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $445,000 $135,000 -69.7% 0.0%
Notre Dame Federal Credit Union Corporation $125,000 n/a 0.0%
SOUTHWEST STAGE FUNDING, LLC $115,000 n/a 0.0%
HORIZON $275,000 $105,000 -61.8% 0.0%
Service Federal Credit Union $95,000 n/a 0.0%
S1L, Inc. $355,000 $85,000 -76.1% 0.0%
Bethpage Federal Credit Union $240,000 $55,000 -77.1% 0.0%
Connexus Credit Union $55,000 n/a 0.0%
Alaska USA Federal Credit Union $25,000 n/a 0.0%

Kalispell's top lender by overall market share is Glacier Bank, with 15.8% market share. In second place, with 8.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $73,850,000 in loans. In third place, with 7.1%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $59,875,000 in loans. In fourth place, with 5.3%, is QUICKEN LOANS, LLC, having originated $44,425,000 in loans. In fifth place, with 4.3%, is Stockman Bank of Montana, having originated $35,900,000 in loans.


Kalispell Housing Market Trends (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
Kalispell's median listing price for 2024-09-01 was $868,950, a difference of $-36,050 (-4.0%) versus the prior year and $-6,050 versus the prior month.

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

Kalispell's average listing price for 2024-09-01 was $1,549,959, a difference of $-69,368 (-4.3%) versus the prior year and $7,767 versus the prior month.

For the 2024-09-01 period, Kalispell had 974 MLS listings, a difference of -29 listings (-3%) versus the prior month and 156 listings (19%) 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
Kalispell's median listing age (time on market) for 2024-09-01 was 0 days.

Kalispell's median square footage for active listings during the 2024-09-01 period was 2,154 sqft. One year prior, the average listing was 2,157 sqft.

Kalispell, MT Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,073 $629,665,000 $586,827
Cash Out Refi 212 $72,860,000 $343,679
Other 164 $43,350,000 $264,329
Home Improvement 159 $29,335,000 $184,497
Refi 138 $63,390,000 $459,348

Kalispell's most frequently cited loan purpose was Home Purchase, with 1,073 originations. The 2nd most popular reason was Cash Out Refi, with 212 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 537 $296,325,000 $551,816
Over 8% 433 $103,325,000 $238,626
7-8% 406 $192,240,000 $473,498
5-6% 261 $152,505,000 $584,310
4-5% 31 $34,535,000 $1,114,032
2.5-3% 6 $2,200,000 $366,667
3-4% 5 $4,785,000 $957,000
<2.5% 4 $510,000 $127,500

During 2023, Kalispell's most frequently originated rate bucket was 6-7%, with 537 originations.

Loan Sizing (Kalispell, MT MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 546 $165,880,000 $303,810
$400k-600k 409 $195,555,000 $478,130
$100k-200k 240 $33,360,000 $139,000
$100,000 or less 214 $12,650,000 $59,112
$600k-1000k 211 $153,925,000 $729,502
$Over $1MM 126 $277,230,000 $2,200,238

Kalispell's loan sizing saw the bucket of loans from $200k-400k with 546 originations, totaling $165,880,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 442 $231,720,000 $524,253
60-80% 406 $293,630,000 $723,227
Under 20% 306 $36,350,000 $118,791
40-60% 257 $159,775,000 $621,693
20-40% 249 $73,685,000 $295,924
Over 100% 19 $10,655,000 $560,789

Kalispell's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 442 originations, totaling $231,720,000 in origination value.