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
7%
for the week of 2023-09-21, compared to the national average of
7.19% for the same period.
The average rate for the prior week (2023-09-14) was
6.99% and
one month ago for the week of 2023-08-17, the
average rate was 6.7%.
Kalispell's average rate one year ago was 5.73%.
For refis of the same type during the week of 2023-09-21, the average rate
was 5.91%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-09-21 | 7.19% |
| Kalispell 30 Year Fixed Rate | 2023-09-21 | 7% |
| Kalispell 30 Year Fixed Rate Refi | 2023-09-21 | 5.91% |
| Kalispell 15 Year Fixed Rate | 2023-09-21 | 6.78% |
| Kalispell 15 Year Fixed Rate Refi | 2023-09-21 | 6.38% |
| Kalispell 30 Year FHA | 2023-09-21 | 6.34% |
| Kalispell 30 Year FHA Refi | 2023-09-21 | 7.24% |
| Kalispell 30 Year USDA | 2023-09-21 | 7.02% |
| Kalispell 30 Year USDA Refi | 2023-09-21 | 6.92% |
| Kalispell 30 Year VA | 2023-09-21 | 6.42% |
| Kalispell 30 Year VA Refi | 2023-09-21 | 6.72% |
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.).
Kalispell Average Closing Costs & Other Stats
Kalispell, MT's 157 lenders originated 3,210
loans during 2022. The total origination value was $1,502,910,000, with an average loan value of
$468,196.
Kalispell's average closing costs are $5,980.
The top Kalispell lender as defined by loan originations is Glacier Bank, with
225 loans originated. Their average total fees are
$6,380, which is $284
lower than the next largest lender,
BAY EQUITY LLC.
The lowest fee Kalispell lenders (with over 10 loans originated) are
PARK SIDE FINANCIAL ($2,363), Bank of America ($4,411), Plains Commerce Bank ($5,769), Wells Fargo Bank ($6,078) and Glacier Bank ($6,380).
The lowest rate Kalispell lenders (with over 10 loans originated) are
Morgan Stanley Private Bank (3.41%), Bank of America (3.55%), PARK SIDE FINANCIAL (3.60%), LOANDEPOT.COM, LLC (3.88%) and U.S. Bank (3.96%).
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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| Glacier Bank | $317,520,000 | $297,240,000 | -6.4% | 19.8% |
| First Interstate Bank | $157,445,000 | $114,820,000 | -27.1% | 7.6% |
| BAY EQUITY LLC | $200,430,000 | $89,160,000 | -55.5% | 5.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $130,640,000 | $86,420,000 | -33.8% | 5.8% |
| MANN FINANCIAL INC. | $200,720,000 | $55,990,000 | -72.1% | 3.7% |
| QUICKEN LOANS, LLC | $112,200,000 | $40,965,000 | -63.5% | 2.7% |
| Wells Fargo Bank | $66,450,000 | $40,710,000 | -38.7% | 2.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $5,905,000 | $39,790,000 | 573.8% | 2.6% |
| PARK SIDE FINANCIAL | $30,170,000 | $38,585,000 | 27.9% | 2.6% |
| Barrington Bank & Trust Company, N.A. | $81,905,000 | $38,575,000 | -52.9% | 2.6% |
| JPMorgan Chase Bank | $24,750,000 | $37,955,000 | 53.4% | 2.5% |
| Stockman Bank of Montana | $11,870,000 | $31,235,000 | 163.1% | 2.1% |
| U.S. Bank | $48,585,000 | $29,950,000 | -38.4% | 2.0% |
| Plains Commerce Bank | $60,715,000 | $29,360,000 | -51.6% | 2.0% |
| InterBank | $20,795,000 | n/a | 1.4% | |
| Morgan Stanley Private Bank | $10,325,000 | $19,530,000 | 89.2% | 1.3% |
| Flagstar Bank, FSB | $20,985,000 | $19,185,000 | -8.6% | 1.3% |
| Mortgage Research Center, LLC | $21,240,000 | $18,605,000 | -12.4% | 1.2% |
| TrailWest Bank | $21,725,000 | $14,925,000 | -31.3% | 1.0% |
| Bank of America | $26,800,000 | $13,795,000 | -48.5% | 0.9% |
| LOANDEPOT.COM, LLC | $39,700,000 | $13,505,000 | -66.0% | 0.9% |
| HOME POINT FINANCIAL CORPORATION | $7,830,000 | $13,265,000 | 69.4% | 0.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $14,315,000 | $12,650,000 | -11.6% | 0.8% |
| PENNYMAC LOAN SERVICES, LLC | $27,625,000 | $11,175,000 | -59.5% | 0.7% |
| Silicon Valley Bank | $2,485,000 | $10,805,000 | 334.8% | 0.7% |
| City National Bank | $7,810,000 | $9,770,000 | 25.1% | 0.7% |
| Charles Schwab Bank, SSB | $8,510,000 | $9,545,000 | 12.2% | 0.6% |
| PNC Bank | $21,785,000 | $9,185,000 | -57.8% | 0.6% |
| AMERISAVE MORTGAGE CORPORATION | $20,475,000 | $9,045,000 | -55.8% | 0.6% |
| GUARANTEED RATE, INC. | $8,110,000 | $8,730,000 | 7.6% | 0.6% |
| FREEDOM MORTGAGE CORPORATION | $32,875,000 | $8,685,000 | -73.6% | 0.6% |
| PENTAGON FEDERAL CREDIT UNION | $3,925,000 | $7,770,000 | 98.0% | 0.5% |
| BancorpSouth Bank | $18,255,000 | $7,510,000 | -58.9% | 0.5% |
| Truist | $2,105,000 | $6,335,000 | 201.0% | 0.4% |
| Goldman Sachs Bank USA | $1,455,000 | $5,930,000 | 307.6% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $12,860,000 | $5,820,000 | -54.7% | 0.4% |
| Citibank | $4,375,000 | $5,200,000 | 18.9% | 0.3% |
| Independent Bank | $5,175,000 | n/a | 0.3% | |
| Bell Bank | $605,000 | $5,115,000 | 745.5% | 0.3% |
| Raymond James Bank | $9,745,000 | $5,010,000 | -48.6% | 0.3% |
| USAA Federal Savings Bank | $5,290,000 | $5,000,000 | -5.5% | 0.3% |
| GUILD MORTGAGE COMPANY | $15,975,000 | $4,705,000 | -70.5% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $12,860,000 | $4,705,000 | -63.4% | 0.3% |
| First Republic Bank | $11,850,000 | $4,675,000 | -60.5% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,005,000 | $4,640,000 | 361.7% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $5,255,000 | $4,625,000 | -12.0% | 0.3% |
| The Federal Savings Bank | $3,480,000 | $4,485,000 | 28.9% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $1,155,000 | $4,270,000 | 269.7% | 0.3% |
| CMG MORTGAGE, INC. | $1,050,000 | $4,165,000 | 296.7% | 0.3% |
| NEW DAY FINANCIAL, LLC | $9,640,000 | $4,055,000 | -57.9% | 0.3% |
| Fifth Third Bank | $3,905,000 | n/a | 0.3% | |
| FINANCE OF AMERICA MORTGAGE LLC | $12,275,000 | $3,810,000 | -69.0% | 0.3% |
| BROKER SOLUTIONS, INC. | $11,355,000 | $3,790,000 | -66.6% | 0.3% |
| AMERICAN FINANCING CORPORATION | $7,580,000 | $3,745,000 | -50.6% | 0.2% |
| Ally Bank | $9,425,000 | $3,680,000 | -61.0% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,370,000 | $3,635,000 | 165.3% | 0.2% |
| REVERSE MORTGAGE FUNDING LLC | $980,000 | $3,475,000 | 254.6% | 0.2% |
| SeaTrust Mortgage Company | $3,225,000 | n/a | 0.2% | |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $10,080,000 | $3,105,000 | -69.2% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $6,245,000 | $3,070,000 | -50.8% | 0.2% |
| Bank First, N.A. | $3,005,000 | n/a | 0.2% | |
| Vista Bank | $3,005,000 | n/a | 0.2% | |
| First Montana Bank, Inc. | $4,625,000 | $2,980,000 | -35.6% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $435,000 | $2,975,000 | 583.9% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $12,575,000 | $2,955,000 | -76.5% | 0.2% |
| LENDSURE MORTGAGE CORP. | $2,535,000 | $2,940,000 | 16.0% | 0.2% |
| PHH Mortgage Corporation | $1,850,000 | $2,915,000 | 57.6% | 0.2% |
| St Charles Bank & Trust | $2,900,000 | n/a | 0.2% | |
| Stifel Bank and Trust | $11,885,000 | $2,750,000 | -76.9% | 0.2% |
| The Huntington National Bank | $4,725,000 | $2,715,000 | -42.5% | 0.2% |
| Opportunity Bank of Montana | $11,500,000 | $2,585,000 | -77.5% | 0.2% |
| AMERICAN ADVISORS GROUP | $2,690,000 | $2,580,000 | -4.1% | 0.2% |
| Umpqua Bank | $1,585,000 | $2,580,000 | 62.8% | 0.2% |
| CALIBER HOME LOANS, INC. | $9,275,000 | $2,425,000 | -73.9% | 0.2% |
| Libertyville Bank & Trust | $2,410,000 | n/a | 0.2% | |
| CHERRY CREEK MORTGAGE, LLC | $1,850,000 | $2,365,000 | 27.8% | 0.2% |
| Texas Bank and Trust Company | $2,325,000 | n/a | 0.2% | |
| CrossFirst Bank | $21,745,000 | $2,285,000 | -89.5% | 0.2% |
| NBKC BANK | $4,775,000 | $2,250,000 | -52.9% | 0.1% |
| 21ST MORTGAGE CORPORATION | $1,595,000 | $2,115,000 | 32.6% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,165,000 | $2,095,000 | 79.8% | 0.1% |
| NEWREZ LLC | $5,855,000 | $2,070,000 | -64.6% | 0.1% |
| KeyBank | $7,905,000 | $2,040,000 | -74.2% | 0.1% |
| KELLER MORTGAGE, LLC | $425,000 | $2,035,000 | 378.8% | 0.1% |
| Northwest Farm Credit Services, FLCA | $2,005,000 | n/a | 0.1% | |
| Zions Bancorporation, N.A. | $4,620,000 | $2,005,000 | -56.6% | 0.1% |
| Commerce Home Mortgage, Inc. | $1,080,000 | $1,945,000 | 80.1% | 0.1% |
| BNY Mellon | $5,880,000 | $1,935,000 | -67.1% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $1,365,000 | $1,930,000 | 41.4% | 0.1% |
| BETTER MORTGAGE CORPORATION | $26,695,000 | $1,910,000 | -92.8% | 0.1% |
| CRESCENT MORTGAGE COMPANY | $7,430,000 | $1,880,000 | -74.7% | 0.1% |
| HOMESTEAD FUNDING CORP. | $2,190,000 | $1,880,000 | -14.2% | 0.1% |
| Schaumburg Bank & Trust | $1,775,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $245,000 | $1,760,000 | 618.4% | 0.1% |
| Arvest Bank | $1,295,000 | $1,735,000 | 34.0% | 0.1% |
| ADVANCIAL | $1,695,000 | n/a | 0.1% | |
| CIBC Bank USA | $1,685,000 | n/a | 0.1% | |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $3,890,000 | $1,640,000 | -57.8% | 0.1% |
| AmeriHome Mortgage Company, LLC | $1,490,000 | n/a | 0.1% | |
| Old Plank Trail Community Bank | $1,475,000 | n/a | 0.1% | |
| UBS Bank USA | $7,125,000 | $1,470,000 | -79.4% | 0.1% |
| American Bank Center | $245,000 | $1,460,000 | 495.9% | 0.1% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $1,405,000 | n/a | 0.1% | |
| Bankers Trust Company | $1,385,000 | n/a | 0.1% | |
| State Bank of the Lakes | $1,375,000 | n/a | 0.1% | |
| CLEARPATH LENDING | $3,425,000 | $1,345,000 | -60.7% | 0.1% |
| SPRING EQ, LLC | $615,000 | $1,345,000 | 118.7% | 0.1% |
| Citizens Bank | $1,025,000 | $1,300,000 | 26.8% | 0.1% |
| AmRes Corporation | $1,275,000 | n/a | 0.1% | |
| FirstBank | $1,510,000 | $1,205,000 | -20.2% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,610,000 | $1,200,000 | -25.5% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $415,000 | $1,185,000 | 185.5% | 0.1% |
| RBC Bank, (Georgia) | $865,000 | $1,170,000 | 35.3% | 0.1% |
| Carrington Mortgage Services, LLC | $3,925,000 | $1,165,000 | -70.3% | 0.1% |
| Equity Prime Mortgage LLC | $1,320,000 | $1,145,000 | -13.3% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $2,705,000 | $1,145,000 | -57.7% | 0.1% |
| Allegiance Bank | $1,135,000 | n/a | 0.1% | |
| Regent Bank | $1,135,000 | n/a | 0.1% | |
| Amerifirst Financial, Inc. | $3,035,000 | $1,130,000 | -62.8% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $1,475,000 | $1,055,000 | -28.5% | 0.1% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $1,050,000 | n/a | 0.1% | |
| MOUNTAIN AMERICA | $645,000 | $1,040,000 | 61.2% | 0.1% |
| OCMBC, INC. | $485,000 | $1,010,000 | 108.2% | 0.1% |
| First Bank | $1,005,000 | n/a | 0.1% | |
| Toyota Financial Savings Bank | $2,580,000 | $980,000 | -62.0% | 0.1% |
| PANORAMA MORTGAGE GROUP, LLC | $975,000 | n/a | 0.1% | |
| QUORUM FEDERAL CREDIT UNION | $135,000 | $965,000 | 614.8% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $290,000 | $950,000 | 227.6% | 0.1% |
| North American Savings Bank, F.S.B. | $3,990,000 | $940,000 | -76.4% | 0.1% |
| United Nations Federal Credit Union | $925,000 | n/a | 0.1% | |
| Hometown Lenders, Inc. | $4,090,000 | $910,000 | -77.8% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $2,440,000 | $860,000 | -64.8% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $860,000 | n/a | 0.1% | |
| NBH Bank | $505,000 | $860,000 | 70.3% | 0.1% |
| NUMERICA CREDIT UNION | $860,000 | n/a | 0.1% | |
| Washington Trust Bank | $3,545,000 | $825,000 | -76.7% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $1,510,000 | $820,000 | -45.7% | 0.1% |
| Discover Bank | $835,000 | $760,000 | -9.0% | 0.1% |
| Nations Lending Corporation | $2,395,000 | $740,000 | -69.1% | 0.0% |
| Figure Lending LLC | $535,000 | $730,000 | 36.4% | 0.0% |
| Rocky Mountain Bank | $1,325,000 | $725,000 | -45.3% | 0.0% |
| Bremer Bank | $1,760,000 | $715,000 | -59.4% | 0.0% |
| Beverly Bank & Trust | $680,000 | n/a | 0.0% | |
| Village Bank & Trust | $660,000 | n/a | 0.0% | |
| AXIA FINANCIAL, LLC | $245,000 | $655,000 | 167.3% | 0.0% |
| CHEVRON | $1,335,000 | $655,000 | -50.9% | 0.0% |
| First Dakota National Bank | $1,255,000 | $645,000 | -48.6% | 0.0% |
| WESTCOAST MORTGAGE GROUP AND REALTY COMPANY | $645,000 | n/a | 0.0% | |
| Willamette Valley Bank | $3,030,000 | $645,000 | -78.7% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $540,000 | $635,000 | 17.6% | 0.0% |
| First Internet Bank of Indiana | $590,000 | $635,000 | 7.6% | 0.0% |
| M&T Bank | $530,000 | $635,000 | 19.8% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $1,005,000 | $635,000 | -36.8% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $185,000 | $615,000 | 232.4% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $2,290,000 | $605,000 | -73.6% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $920,000 | $600,000 | -34.8% | 0.0% |
| Old Second National Bank | $595,000 | n/a | 0.0% | |
| The Central Trust Bank | $930,000 | $595,000 | -36.0% | 0.0% |
| MOVEMENT MORTGAGE, LLC | $585,000 | n/a | 0.0% | |
| VILLAGE CAPITAL MORTGAGE | $2,510,000 | $570,000 | -77.3% | 0.0% |
| Farmers Bank & Trust | $555,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $2,050,000 | $555,000 | -72.9% | 0.0% |
| WINGS FINANCIAL | $495,000 | $555,000 | 12.1% | 0.0% |
| DIRECT MORTGAGE, CORP. | $535,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $65,000 | $530,000 | 715.4% | 0.0% |
| SIRVA MORTGAGE, INC. | $525,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $520,000 | n/a | 0.0% | |
| BTH Bank | $505,000 | n/a | 0.0% | |
| 1st Security Bank of Washington | $760,000 | $500,000 | -34.2% | 0.0% |
| FUNDLOANS CAPITAL | $485,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $485,000 | n/a | 0.0% | |
| Thomasville National Bank | $485,000 | n/a | 0.0% | |
| Chain Bridge Bank | $475,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $470,000 | n/a | 0.0% | |
| First Bankers Trust Company | $465,000 | n/a | 0.0% | |
| First Western Bank & Trust | $455,000 | n/a | 0.0% | |
| Century Mortgage Company DBA Century Lending Company | $445,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $445,000 | n/a | 0.0% | |
| Columbia State Bank | $435,000 | n/a | 0.0% | |
| ALTRA | $415,000 | n/a | 0.0% | |
| HOMESTAR FINANCIAL CORPORATION | $415,000 | n/a | 0.0% | |
| Lake Forest Bank & Trust | $415,000 | n/a | 0.0% | |
| Gateway First Bank | $1,215,000 | $405,000 | -66.7% | 0.0% |
| RESIDENTIAL BANCORP. | $835,000 | $395,000 | -52.7% | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | $385,000 | n/a | 0.0% | |
| Cornerstone First Mortgage, Inc | $385,000 | n/a | 0.0% | |
| ENVOY MORTGAGE, LTD | $1,915,000 | $385,000 | -79.9% | 0.0% |
| NexBank | $385,000 | n/a | 0.0% | |
| Mutual Federal Bank | $365,000 | n/a | 0.0% | |
| PLANET HOME LENDING, LLC | $1,435,000 | $365,000 | -74.6% | 0.0% |
| DATA MORTGAGE, INC. | $740,000 | $355,000 | -52.0% | 0.0% |
| Farmers State Bank | $415,000 | $355,000 | -14.5% | 0.0% |
| S1L, Inc. | $235,000 | $355,000 | 51.1% | 0.0% |
| Busey Bank | $345,000 | n/a | 0.0% | |
| GoPrime Mortgage, Inc. | $1,435,000 | $345,000 | -76.0% | 0.0% |
| Sunflower Bank | $285,000 | $345,000 | 21.1% | 0.0% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $445,000 | $335,000 | -24.7% | 0.0% |
| First Guaranty Mortgage Corporation | $355,000 | $325,000 | -8.5% | 0.0% |
| V.I.P. MORTGAGE, INC. | $325,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $305,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $505,000 | $300,000 | -40.6% | 0.0% |
| BMO Harris Bank | $1,580,000 | $295,000 | -81.3% | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | $305,000 | $295,000 | -3.3% | 0.0% |
| GREENSTATE CREDIT UNION | $295,000 | n/a | 0.0% | |
| ACADEMY MORTGAGE CORPORATION | $6,170,000 | $285,000 | -95.4% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $265,000 | $285,000 | 7.5% | 0.0% |
| Armed Forces Bank | $275,000 | n/a | 0.0% | |
| HORIZON | $275,000 | n/a | 0.0% | |
| F & M Bank | $265,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $340,000 | $255,000 | -25.0% | 0.0% |
| Unify Home Lending Inc. | $255,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $240,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $340,000 | $235,000 | -30.9% | 0.0% |
| Ameris Bank | $235,000 | n/a | 0.0% | |
| VERITAS FUNDING, LLC | $235,000 | n/a | 0.0% | |
| First Home Bank | $955,000 | $225,000 | -76.4% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $135,000 | $225,000 | 66.7% | 0.0% |
| Axos Bank | $3,490,000 | $215,000 | -93.8% | 0.0% |
| Gulf Coast Bank and Trust Company | $215,000 | n/a | 0.0% | |
| Firefighters First Federal Credit Union | $205,000 | n/a | 0.0% | |
| Landmark National Bank | $205,000 | n/a | 0.0% | |
| UNIVERSAL LENDING CORPORATION | $1,215,000 | $195,000 | -84.0% | 0.0% |
| DEPARTMENT OF THE INTERIOR FEDERAL CREDIT UNION | $65,000 | $165,000 | 153.8% | 0.0% |
| GTE Federal Credit Union | $155,000 | n/a | 0.0% | |
| NuVision Federal Credit Union | $155,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $295,000 | $125,000 | -57.6% | 0.0% |
| IDAHO CENTRAL | $725,000 | $115,000 | -84.1% | 0.0% |
| LOS ANGELES POLICE Federal Credit Union | $55,000 | $105,000 | 90.9% | 0.0% |
| TOWER | $95,000 | n/a | 0.0% |
Kalispell's top lender by overall market share is Glacier Bank, with 19.8% market share. In second place, with 7.6%, is First Interstate Bank, having originated $114,820,000 in loans. In third place, with 5.9%, is BAY EQUITY LLC, having originated $89,160,000 in loans. In fourth place, with 5.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $86,420,000 in loans. In fifth place, with 3.7%, is MANN FINANCIAL INC., having originated $55,990,000 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%) | $979,762 (9.5%) | 0.00 | 741 |
| 2018-02-01 | $499,000 (8.7%) | $983,837 (9.5%) | 0.00 | 723 |
| 2018-03-01 | $499,000 (7.6%) | $939,716 (2.6%) | 0.00 | 788 |
| 2018-04-01 | $499,000 (6.3%) | $969,438 (3.2%) | 0.00 | 809 |
| 2018-05-01 | $499,000 (3.6%) | $926,077 (-0.8%) | 0.00 | 918 |
| 2018-06-01 | $499,000 (4.6%) | $887,150 (-3.0%) | 0.00 | 1,092 |
| 2018-07-01 | $470,561 (-1.9%) | $836,004 (-8.6%) | 0.00 | 1,286 |
| 2018-08-01 | $449,900 (-7.9%) | $797,890 (-12.6%) | 0.00 | 1,386 |
| 2018-09-01 | $449,500 (-9.2%) | $791,899 (-14.1%) | 0.00 | 1,374 |
| 2018-10-01 | $449,000 (-9.0%) | $786,205 (-15.7%) | 0.00 | 1,297 |
| 2018-11-01 | $441,700 (-9.8%) | $749,278 (-20.9%) | 0.00 | 1,190 |
| 2018-12-01 | $435,000 (-9.4%) | $751,012 (-22.0%) | 0.00 | 1,105 |
| 2019-01-01 | $433,575 (-11.0%) | $768,882 (-21.5%) | 0.00 | 982 |
| 2019-02-01 | $437,000 (-12.4%) | $780,861 (-20.6%) | 0.00 | 891 |
| 2019-03-01 | $474,429 (-4.9%) | $838,582 (-10.8%) | 0.00 | 863 |
| 2019-04-01 | $499,000 (0.0%) | $846,531 (-12.7%) | 0.00 | 898 |
| 2019-05-01 | $499,000 (0.0%) | $802,451 (-13.4%) | 0.00 | 1,022 |
| 2019-06-01 | $499,000 (0.0%) | $780,822 (-12.0%) | 0.00 | 1,119 |
| 2019-07-01 | $486,750 (3.4%) | $778,099 (-6.9%) | 0.00 | 1,196 |
| 2019-08-01 | $477,759 (6.2%) | $784,517 (-1.7%) | 0.00 | 1,167 |
| 2019-09-01 | $475,898 (5.9%) | $797,766 (0.7%) | 0.00 | 1,104 |
| 2019-10-01 | $474,225 (5.6%) | $812,914 (3.4%) | 0.00 | 1,039 |
| 2019-11-01 | $460,700 (4.3%) | $845,087 (12.8%) | 0.00 | 909 |
| 2019-12-01 | $449,900 (3.4%) | $876,759 (16.7%) | 0.00 | 828 |
| 2020-01-01 | $442,500 (2.1%) | $881,483 (14.6%) | 0.00 | 725 |
| 2020-02-01 | $439,900 (0.7%) | $883,388 (13.1%) | 0.00 | 649 |
| 2020-03-01 | $454,450 (-4.2%) | $874,678 (4.3%) | 0.00 | 676 |
| 2020-04-01 | $459,450 (-7.9%) | $831,365 (-1.8%) | 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 |
Kalispell's median listing price for 2023-08-01 was $911,250, a difference of
$189,000
(26.2%) versus the prior year and
$16,250 versus the prior month.
Kalispell's median listing price comes in at 0% of the national average.
Kalispell's average listing price for 2023-08-01 was $1,610,290, a difference of $376,945 (30.6%) versus the prior year and $14,274 versus the prior month.
For the 2023-08-01 period, Kalispell had 793 MLS listings, a difference of 31 listings (4%) versus the prior month and -124 listings (-14%) versus the prior year.
Kalispell's median listing price comes in at 0% of the national average.
Kalispell's average listing price for 2023-08-01 was $1,610,290, a difference of $376,945 (30.6%) versus the prior year and $14,274 versus the prior month.
For the 2023-08-01 period, Kalispell had 793 MLS listings, a difference of 31 listings (4%) versus the prior month and -124 listings (-14%) 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 | 2,479 sqft |
| 2018-02-01 | 0 days | 2,500 sqft |
| 2018-03-01 | 0 days | 2,448 sqft |
| 2018-04-01 | 0 days | 2,479 sqft |
| 2018-05-01 | 0 days | 2,443 sqft |
| 2018-06-01 | 0 days | 2,443 sqft |
| 2018-07-01 | 0 days | 2,321 sqft |
| 2018-08-01 | 0 days | 2,258 sqft |
| 2018-09-01 | 0 days | 2,262 sqft |
| 2018-10-01 | 0 days | 2,248 sqft |
| 2018-11-01 | 0 days | 2,180 sqft |
| 2018-12-01 | 0 days | 2,163 sqft |
| 2019-01-01 | 0 days | 2,112 sqft |
| 2019-02-01 | 0 days | 2,105 sqft |
| 2019-03-01 | 0 days | 2,208 sqft |
| 2019-04-01 | 0 days | 2,279 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 | 2,250 sqft |
| 2019-11-01 | 0 days | 2,249 sqft |
| 2019-12-01 | 0 days | 2,158 sqft |
| 2020-01-01 | 0 days | 2,128 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 | 2,091 sqft |
| 2020-11-01 | 0 days | 2,055 sqft |
| 2020-12-01 | 0 days | 1,886 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 | 1,468 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 |
Kalispell's median listing age (time on market) for 2023-08-01 was 0 days.
Kalispell's median square footage for active listings during the 2023-08-01 period was 2,154 sqft. One year prior, the average listing was 1,938 sqft.
Kalispell's median square footage for active listings during the 2023-08-01 period was 2,154 sqft. One year prior, the average listing was 1,938 sqft.
Kalispell, MT Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,421 | $870,135,000 | $612,340 |
| Cash Out Refi | 757 | $314,975,000 | $416,083 |
| Refi | 497 | $182,865,000 | $367,938 |
| Home Improvement | 318 | $48,760,000 | $153,333 |
| Other | 217 | $86,175,000 | $397,120 |
Kalispell's most frequently cited loan purpose was Home Purchase, with 1,421 originations. The 2nd most popular reason was Cash Out Refi, with 757 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 863 | $435,335,000 | $504,444 |
| 4-5% | 834 | $383,820,000 | $460,216 |
| 5-6% | 648 | $278,980,000 | $430,525 |
| 6-7% | 317 | $146,045,000 | $460,710 |
| 2.5-3% | 201 | $114,895,000 | $571,617 |
| 7-8% | 133 | $34,035,000 | $255,902 |
| <2.5% | 73 | $57,125,000 | $782,534 |
| Over 8% | 59 | $11,185,000 | $189,576 |
During 2022, Kalispell's most frequently originated rate bucket was 3-4%, with 863 originations.
Loan Sizing (Kalispell, MT MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,227 | $365,005,000 | $297,478 |
| $400k-600k | 698 | $333,120,000 | $477,249 |
| $100k-200k | 433 | $62,025,000 | $143,245 |
| $600k-1000k | 355 | $252,145,000 | $710,268 |
| $100,000 or less | 271 | $16,045,000 | $59,207 |
| $Over $1MM | 226 | $474,570,000 | $2,099,867 |
Kalispell's loan sizing saw the bucket of loans from $200k-400k with 1,227 originations, totaling $365,005,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 868 | $567,900,000 | $654,263 |
| 40-60% | 677 | $310,365,000 | $458,442 |
| 80-100% | 617 | $352,455,000 | $571,240 |
| 20-40% | 491 | $157,665,000 | $321,110 |
| Under 20% | 430 | $54,080,000 | $125,767 |
| Over 100% | 29 | $16,315,000 | $562,586 |
Kalispell's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 868 originations, totaling $567,900,000 in origination value.