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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
MANN FINANCIAL INC. 480 3.17% $4,354
BAY EQUITY LLC 426 3.10% $4,559
Glacier Bank 378 3.53% $5,144
UNITED WHOLESALE MORTGAGE, LLC 245 3.02% $4,445
QUICKEN LOANS, LLC 227 3.09% $6,235
LENDUS, LLC 222 3.24% $4,713
Barrington Bank & Trust Company, N.A. 188 3.27% $4,053
First Interstate Bank 148 3.21% $5,266
Plains Commerce Bank 142 3.04% $4,276
Wells Fargo Bank 107 3.02% $4,317
LOANDEPOT.COM, LLC 82 2.82% $5,159
PARK SIDE FINANCIAL 66 3.44% $2,443
U.S. Bank 61 3.06% $4,687
AMERISAVE MORTGAGE CORPORATION 51 2.83% $4,030
Flagstar Bank, FSB 50 3.07% $4,151
BETTER MORTGAGE CORPORATION 43 2.76% $4,795
PENNYMAC LOAN SERVICES, LLC 35 3.04% $4,732
GUILD MORTGAGE COMPANY 32 2.99% $6,455
FINANCE OF AMERICA MORTGAGE LLC 26 3.06% $4,584
JPMorgan Chase Bank 26 2.95% $4,355
BROKER SOLUTIONS, INC. 24 3.03% $4,160
Opportunity Bank of Montana 23 3.10% $5,278
Mr. Cooper ( Nationstar Mortgage ) 23 3.03% $5,288
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 22 3.07% $5,107
Bank of America 21 2.75% $5,378
CRESCENT MORTGAGE COMPANY 19 3.09% $4,517
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 18 2.99% $4,309
Stockman Bank of Montana 18 3.23% $6,598
AMERICAN FINANCING CORPORATION 17 3.07% $3,845
ACADEMY MORTGAGE CORPORATION 16 3.34% $3,604
MUTUAL OF OMAHA MORTGAGE, INC. 16 3.05% $3,633
Stifel Bank and Trust 16 2.76% $2,824
HOME POINT FINANCIAL CORPORATION 16 2.76% $5,441
CALIBER HOME LOANS, INC. 15 2.89% $4,500
PRIMELENDING, A PLAINSCAPITAL COMPANY 14 3.29% $6,384
FREEDOM MORTGAGE CORPORATION 12 3.16% $1,686
CROSSCOUNTRY MORTGAGE, LLC 11 3.01% $3,689
NAVY FEDERAL CREDIT UNION 11 2.93% $3,668
LAKEVIEW LOAN SERVICING, LLC 10 3.04% $4,031
GUARANTEED RATE, INC. 10 2.96% $5,003
Ally Bank 10 2.60% $12,771
NEWREZ LLC 10 3.14% $4,191
KeyBank 9 2.76% $5,994
Hometown Lenders, Inc. 8 3.23% $4,317
Morgan Stanley Private Bank 8 2.65% $6,482
Willamette Valley Bank 8 3.41% $4,223
North American Savings Bank, F.S.B. 8 2.92% $2,920
Charles Schwab Bank, SSB 7 2.48% $5,622
First Republic Bank 6 2.75% $8,159
UBS Bank USA 6 2.75% $5,557
RESIDENTIAL WHOLESALE MORTGAGE, INC. 6 2.77% $5,205
PENTAGON FEDERAL CREDIT UNION 6 2.90% $2,806
NBKC BANK 6 2.96% $2,168
TIB The Independent Bankersbank 6 3.48% $6,088
Wyndham Capital Mortgage, Inc. 6 2.85% $1,337
Carrington Mortgage Services, LLC 6 3.10% $4,153
AMERICAN FINANCIAL NETWORK, INC. 5 3.10% $12,581
CHURCHILL MORTGAGE CORPORATION 5 3.20% $4,747
Citibank 5 2.85% $6,240
Raymond James Bank 5 2.60% $7,294
PNC Bank 5 2.83% $5,053
Truist Bank 5 3.08% $13,354
Nations Lending Corporation 5 3.02% $6,089
Washington Trust Bank 4 3.19% $5,619
HOMESTEAD FUNDING CORP. 4 2.78% $3,495
Arvest Bank 4 3.00% $2,888
CORNERSTONE HOME LENDING, INC. 4 3.03% $4,188
CHERRY CREEK MORTGAGE, LLC 4 3.56% $1,352
ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 3.18% $6,653
STEARNS LENDING, LLC 4 3.25% $6,238
FirstBank 4 2.97% $3,068
BMO Harris Bank 4 3.06% $4,134
ROUNDPOINT MORTGAGE SERVICING CORPORATION 3 3.54% $2,893
AMCAP MORTGAGE, LTD. 3 3.21% $7,844
RBC Bank, (Georgia) 3 2.88% $3,084
The Huntington National Bank 3 3.08% $6,191
ENVOY MORTGAGE, LTD 3 3.08% $4,486
Paramount Residential Mortgage Group, Inc. 3 2.83% $5,078
Axos Bank 3 4.29% $15,118
Northpointe Bank 3 2.88% $7,395
RESIDENTIAL BANCORP. 3 2.88% $3,308
ZILLOW HOME LOANS, LLC 3 3.29% $3,246
UNIVERSAL LENDING CORPORATION 3 3.25% $5,364
SECURITYNATIONAL MORTGAGE COMPANY 3 3.79% $8,180
CANOPY MORTGAGE, LLC 3 2.96% $5,708
AMERICAN INTERNET MORTGAGE, INC. 3 2.75% $3,731
1st Security Bank of Washington 2 3.25% $8,689
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 5.94% $6,177
Bank of England 2 3.13% $4,473
Cf Bank 2 2.88% $1,800
City National Bank 2 2.61% $16,051
DRAPER AND KRAMER MORTGAGE CORP. 2 3.13% $4,115
First Internet Bank of Indiana 2 3.00% $3,347
Gateway First Bank 2 3.44% $3,720
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 3.19% $4,764
IDAHO CENTRAL 2 2.75% $5,534
Magnolia Bank 2 2.99% $5,869
MOUNTAIN AMERICA 2 3.13% $5,073
OPEN MORTGAGE, LLC 2 2.75% $5,232
PHH Mortgage Corporation 2 3.13% $5,942
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 2 3.06% $16,217
Sierra Pacific Mortgage Company, Inc. 2 3.31% $3,529
SPRING EQ, LLC 2 3.00% $1,710
SUMMIT FUNDING, INC. 2 3.19% $8,574
TCF National Bank 2 3.06% $3,846
The Federal Savings Bank 2 2.94% $11,074
TOWNE MORTGAGE COMPANY 2 3.50% $2,861
Toyota Financial Savings Bank 2 2.75% $7,013
Zions Bancorporation, N.A. 2 2.56% $9,660
Manufacturers and Traders Trust Company 1 3.13% $5,906
Mazuma Credit Union 1 3.00% $2,626
MID AMERICA MORTGAGE, INC. 1 3.00% $3,289
MidFirst Bank 1 2.88% $3,553
Montana Federal Credit Union 1 3.13% $5,796
First Western Trust Bank 1 3.50% $2,808
MORIA DEVELOPMENT, INC. 1 2.99% $6,918
Mortgage Research Center, LLC 1 2.75% $13,681
Umpqua Bank 1 4.25% $8,698
First National Bank of Omaha 1 3.13% $5,730
First Horizon Bank 1 2.49% $6,847
First Home Bank 1 3.13% $5,352
First Guaranty Mortgage Corporation 1 2.88% $2,100
NBH Bank 1 3.13% $5,678
First Financial Bank 1 3.25% $3,273
FIRST COLONY MORTGAGE CORPORATION 1 3.38% $8,187
First Bank & Trust 1 3.38% $3,358
FIDELITY BANK 1 3.25% $6,797
Northwest Bank 1 2.88% $2,225
ON Q FINANCIAL, INC. 1 3.25% $4,343
Amerifirst Financial, Inc. 1 2.88% $1,926
Fidelity Bank 1 2.88% $3,335
Origin Bank 1 3.50% $9,567
PACIFIC RESIDENTIAL MORTGAGE, LLC 1 3.25% $4,448
F&A Federal Credit Union 1 2.88% $2,153
Equity Prime Mortgage LLC 1 4.00% $0
Elements Financial Federal Credit Union 1 3.13% $5,185
Deseret First Credit Union 1 3.88% $8,797
AMERICAN PACIFIC MORTGAGE CORPORATION 1 3.50% $4,922
DELMAR FINANCIAL COMPANY 1 3.00% $4,225
PLANET HOME LENDING, LLC 1 3.00% $1,419
PLAZA HOME MORTGAGE, INC. 1 3.50% $3,915
DATA MORTGAGE, INC. 1 4.00% $6,148
PREMIER MORTGAGE RESOURCES, L.L.C. 1 2.88% $27,156
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.13% $2,866
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 3.00% $3,413
Commerce Home Mortgage, Inc. 1 3.50% $8,930
CMG MORTGAGE, INC. 1 2.63% $3,843
Citizens Bank 1 3.00% $4,202
AMERICAN FINANCIAL RESOURCES, INC. 1 3.25% $8,164
CHEVRON 1 2.63% $5,801
CELEBRITY HOME LOANS, LLC 1 3.25% $8,008
Carrollton Bank 1 3.13% $5,820
S1L, Inc. 1 3.63% $4,272
Bremer Bank 1 3.25% $13,725
Servion, Inc. 1 2.88% $4,785
American Bank Center 1 2.63% $3,196
Silicon Valley Bank 1 2.50% $5,196
SIWELL, INC. 1 3.00% $4,238
SOFI LENDING CORP. 1 2.75% $5,424
SOVEREIGN LENDING GROUP INCORPORATED 1 2.50% $3,128
SPOKANE TEACHERS 1 2.88% $2,340
Watermark Capital, Inc. 1 3.38% $5,222
BOKF 1 2.88% $2,363
BNY Mellon 1 2.25% $14,244
BNC National Bank 1 3.25% $4,335
Stock Yards Bank & Trust Company 1 3.00% $13,422
Stride Bank 1 3.25% $3,264
Strong Home Mortgage, LLC 1 3.75% $2,920
Altana Federal Credit Union 1 2.88% $5,110
Sunflower Bank 1 2.99% $2,446
ALLIANT CREDIT UNION 1 2.50% $6,592
The Central Trust Bank 1 3.38% $3,837
WINGS FINANCIAL 1 2.63% $4,034
Bank of Ann Arbor 1 3.50% $7,532
THRIVE MORTGAGE, LLC 1 4.88% $5,176
TIAA, FSB 1 3.13% $5,171
BancorpSouth Bank 1 4.00% $5,714
Affiliated Bank 1 2.75% $7,673
Academy Bank 1 2.75% $2,538
AXIA FINANCIAL, LLC 1 3.00% $4,170
InterContinental Capital Group, Inc 1 3.38% $6,127
Ixonia Bank 1 2.63% $4,335
IMPAC MORTGAGE CORP. 1 2.75% $0
KELLER MORTGAGE, LLC 1 3.00% $8,303
HOMEXPRESS MORTGAGE CORP. 1 6.00% $4,199
KS StateBank 1 3.38% $4,808
GUARANTEED RATE AFFINITY, LLC 1 2.99% $4,575
LEADERONE FINANCIAL CORPORATION 1 3.00% $3,560
LENDSURE MORTGAGE CORP. 1 5.50% $7,388
GoPrime Mortgage, Inc. 1 4.00% $12,265
Goldman Sachs Bank USA 1 2.85% $2,911
ARC HOME LLC 1 4.00% $18,892
Florida Capital Bank 1 3.63% $5,457

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.

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.