Kalispell Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Kalispell averaged
6.67%
for the week of 2025-07-10, compared to the national average of
6.72% for the same period.
The average rate for the prior week (2025-07-03) was
6.72% and
one month ago for the week of 2025-06-05, the
average rate was 6.8%.
Kalispell's average rate one year ago was 7.1%.
For refis of the same type during the week of 2025-07-10, the average rate
was 7%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-10 | 6.72% |
| Kalispell 30 Year Fixed Rate | 2025-07-10 | 6.67% |
| Kalispell 30 Year Fixed Rate Refi | 2025-07-10 | 7% |
| Kalispell 15 Year Fixed Rate | 2025-07-10 | 5.76% |
| Kalispell 15 Year Fixed Rate Refi | 2025-07-10 | 6.46% |
| Kalispell 30 Year FHA | 2025-07-10 | 5.81% |
| Kalispell 30 Year FHA Refi | 2025-07-10 | 6.42% |
| Kalispell 30 Year USDA | 2025-07-10 | 6.65% |
| Kalispell 30 Year USDA Refi | 2025-07-10 | 6.35% |
| Kalispell 30 Year VA | 2025-07-10 | 6.43% |
| Kalispell 30 Year VA Refi | 2025-07-10 | 6.27% |
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 111 lenders originated 2,015
loans during 2024. The total origination value was $934,925,000, with an average loan value of
$463,983.
Kalispell's average closing costs are $6,470.
The top Kalispell lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
150 loans originated. Their average total fees are
$9,843, which is $3,030
higher than the next largest lender,
CROSSCOUNTRY MORTGAGE, LLC.
The lowest fee Kalispell lenders (with over 10 loans originated) are
Morgan Stanley Private Bank ($5,093), ENVOY MORTGAGE, LTD ($5,979), Plains Commerce Bank ($6,778), CROSSCOUNTRY MORTGAGE, LLC ($6,813) and Wells Fargo Bank ($6,903).
The lowest rate Kalispell lenders (with over 10 loans originated) are
Morgan Stanley Private Bank (5.80%), Stockman Bank of Montana (6.47%), U.S. Bank (6.49%), CALCON MUTUAL MORTGAGE LLC (6.54%) and PENNYMAC LOAN SERVICES, LLC (6.58%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $73,850,000 | $117,150,000 | 58.6% | 12.5% |
| Glacier Bank | $132,905,000 | $114,730,000 | -13.7% | 12.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $59,875,000 | $89,655,000 | 49.7% | 9.6% |
| QUICKEN LOANS, LLC | $44,425,000 | $42,360,000 | -4.6% | 4.5% |
| U.S. Bank | $24,320,000 | $30,280,000 | 24.5% | 3.2% |
| Plains Commerce Bank | $20,020,000 | $29,240,000 | 46.1% | 3.1% |
| Stockman Bank of Montana | $35,900,000 | $28,410,000 | -20.9% | 3.0% |
| Barrington Bank & Trust Company, N.A. | $18,410,000 | $27,240,000 | 48.0% | 2.9% |
| PENNYMAC LOAN SERVICES, LLC | $2,360,000 | $22,540,000 | 855.1% | 2.4% |
| First Interstate Bank | $29,580,000 | $21,555,000 | -27.1% | 2.3% |
| JPMorgan Chase Bank | $22,065,000 | $19,350,000 | -12.3% | 2.1% |
| TrailWest Bank | $18,140,000 | $18,790,000 | 3.6% | 2.0% |
| Morgan Stanley Private Bank | $6,350,000 | $16,280,000 | 156.4% | 1.7% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $15,920,000 | n/a | 1.7% | |
| Mortgage Research Center, LLC | $6,600,000 | $13,125,000 | 98.9% | 1.4% |
| Bank of America | $8,310,000 | $11,995,000 | 44.3% | 1.3% |
| Century Mortgage Company DBA Century Lending Company | $3,685,000 | $11,460,000 | 211.0% | 1.2% |
| HomeStreet Bank | $8,175,000 | $10,515,000 | 28.6% | 1.1% |
| Paramount Residential Mortgage Group, Inc. | $1,570,000 | $9,065,000 | 477.4% | 1.0% |
| Flagstar Bank, FSB | $5,255,000 | $8,750,000 | 66.5% | 0.9% |
| ENVOY MORTGAGE, LTD | $185,000 | $8,625,000 | 4,562.2% | 0.9% |
| FREEDOM MORTGAGE CORPORATION | $1,685,000 | $8,420,000 | 399.7% | 0.9% |
| CALCON MUTUAL MORTGAGE LLC | $3,250,000 | $7,790,000 | 139.7% | 0.8% |
| Wells Fargo Bank | $10,060,000 | $7,670,000 | -23.8% | 0.8% |
| GUARANTEED RATE, INC. | $4,845,000 | $7,480,000 | 54.4% | 0.8% |
| PlainsCapital Bank | $7,005,000 | n/a | 0.7% | |
| NAVY FEDERAL CREDIT UNION | $3,385,000 | $6,800,000 | 100.9% | 0.7% |
| CMG MORTGAGE, INC. | $5,005,000 | $5,905,000 | 18.0% | 0.6% |
| UBS Bank USA | $8,030,000 | $5,680,000 | -29.3% | 0.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,625,000 | $5,495,000 | 109.3% | 0.6% |
| MidFirst Bank | $1,505,000 | $5,405,000 | 259.1% | 0.6% |
| LIMA ONE CAPITAL, LLC | $5,290,000 | n/a | 0.6% | |
| MOUNTAIN AMERICA | $955,000 | $5,240,000 | 448.7% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,350,000 | $4,685,000 | 247.0% | 0.5% |
| LOANDEPOT.COM, LLC | $1,370,000 | $4,590,000 | 235.0% | 0.5% |
| BMO Harris Bank | $3,090,000 | $4,525,000 | 46.4% | 0.5% |
| PARK SIDE FINANCIAL | $5,625,000 | $4,475,000 | -20.4% | 0.5% |
| FOUNDATION MORTGAGE CORPORATION | $4,350,000 | n/a | 0.5% | |
| Opportunity Bank of Montana | $1,110,000 | $3,835,000 | 245.5% | 0.4% |
| BAY EQUITY LLC | $19,685,000 | $3,820,000 | -80.6% | 0.4% |
| Washington Trust Bank | $2,605,000 | $3,575,000 | 37.2% | 0.4% |
| Equity Prime Mortgage LLC | $2,270,000 | $3,550,000 | 56.4% | 0.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | $3,535,000 | n/a | 0.4% | |
| HOMESIDE FINANCIAL, LLC | $3,320,000 | n/a | 0.4% | |
| AMERISAVE MORTGAGE CORPORATION | $4,550,000 | $3,255,000 | -28.5% | 0.3% |
| NBKC BANK | $1,405,000 | $3,090,000 | 119.9% | 0.3% |
| NEWREZ LLC | $2,660,000 | $3,090,000 | 16.2% | 0.3% |
| S1L, Inc. | $85,000 | $2,905,000 | 3,317.6% | 0.3% |
| American Mortgage & Equity Consultants, Inc. | $2,845,000 | n/a | 0.3% | |
| ADVANCIAL | $1,430,000 | $2,785,000 | 94.8% | 0.3% |
| Charles Schwab Bank, SSB | $7,060,000 | $2,765,000 | -60.8% | 0.3% |
| PNC Bank | $920,000 | $2,760,000 | 200.0% | 0.3% |
| Wheaton Bank & Trust | $2,665,000 | n/a | 0.3% | |
| CHURCHILL MORTGAGE CORPORATION | $780,000 | $2,580,000 | 230.8% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $520,000 | $2,440,000 | 369.2% | 0.3% |
| Lake Forest Bank & Trust | $2,425,000 | n/a | 0.3% | |
| NEXERA HOLDING LLC | $2,280,000 | $2,370,000 | 3.9% | 0.3% |
| PHH Mortgage Corporation | $175,000 | $2,285,000 | 1,205.7% | 0.2% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $345,000 | $2,110,000 | 511.6% | 0.2% |
| Citadel Servicing Corporation | $1,160,000 | $2,090,000 | 80.2% | 0.2% |
| OCMBC, INC. | $900,000 | $1,980,000 | 120.0% | 0.2% |
| STANFORD Federal Credit Union | $405,000 | $1,955,000 | 382.7% | 0.2% |
| FUNDLOANS CAPITAL | $1,940,000 | n/a | 0.2% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $245,000 | $1,815,000 | 640.8% | 0.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $3,255,000 | $1,790,000 | -45.0% | 0.2% |
| Cornerstone First Mortgage, Inc | $1,725,000 | n/a | 0.2% | |
| Stifel Bank and Trust | $6,165,000 | $1,540,000 | -75.0% | 0.2% |
| BETTER MORTGAGE CORPORATION | $505,000 | $1,530,000 | 203.0% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $2,135,000 | $1,525,000 | -28.6% | 0.2% |
| The Loan Store, Inc. | $1,495,000 | n/a | 0.2% | |
| Discover Bank | $845,000 | $1,475,000 | 74.6% | 0.2% |
| Raymond James Bank | $1,455,000 | n/a | 0.2% | |
| Hinsdale Bank & Trust Company | $655,000 | $1,425,000 | 117.6% | 0.2% |
| V.I.P. MORTGAGE, INC. | $420,000 | $1,395,000 | 232.1% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $1,260,000 | $1,350,000 | 7.1% | 0.1% |
| GUILD MORTGAGE COMPANY | $3,040,000 | $1,345,000 | -55.8% | 0.1% |
| Zions Bank | $1,255,000 | n/a | 0.1% | |
| MORIA DEVELOPMENT, INC. | $1,210,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $550,000 | $1,205,000 | 119.1% | 0.1% |
| WINGS FINANCIAL | $1,240,000 | $1,205,000 | -2.8% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $455,000 | $1,195,000 | 162.6% | 0.1% |
| Carrington Mortgage Services, LLC | $355,000 | $1,175,000 | 231.0% | 0.1% |
| Figure Lending LLC | $990,000 | $1,175,000 | 18.7% | 0.1% |
| JMJ FINANCIAL GROUP | $1,160,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $1,355,000 | $1,150,000 | -15.1% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $695,000 | $1,135,000 | 63.3% | 0.1% |
| Libertyville Bank & Trust | $935,000 | $1,130,000 | 20.9% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $1,105,000 | n/a | 0.1% | |
| St Charles Bank & Trust | $725,000 | $1,065,000 | 46.9% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $3,065,000 | $1,045,000 | -65.9% | 0.1% |
| UNION HOME MORTGAGE CORP. | $485,000 | $1,030,000 | 112.4% | 0.1% |
| Citibank | $7,615,000 | $1,025,000 | -86.5% | 0.1% |
| 21ST MORTGAGE CORPORATION | $2,375,000 | $1,010,000 | -57.5% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $980,000 | n/a | 0.1% | |
| Northbrook Bank & Trust | $960,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $885,000 | n/a | 0.1% | |
| MOVEMENT MORTGAGE, LLC | $475,000 | $880,000 | 85.3% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $875,000 | n/a | 0.1% | |
| FBC MORTGAGE, LLC | $865,000 | n/a | 0.1% | |
| Armed Forces Bank | $855,000 | n/a | 0.1% | |
| Beverly Bank & Trust | $2,390,000 | $855,000 | -64.2% | 0.1% |
| Northpointe Bank | $805,000 | n/a | 0.1% | |
| Willamette Valley Bank | $685,000 | $795,000 | 16.1% | 0.1% |
| USAA Federal Savings Bank | $4,140,000 | $780,000 | -81.2% | 0.1% |
| Pinnacle Bank | $3,770,000 | $775,000 | -79.4% | 0.1% |
| AHL FUNDING | $765,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $405,000 | $765,000 | 88.9% | 0.1% |
| Texas Capital Bank | $765,000 | n/a | 0.1% | |
| Town Bank, N.A. | $2,535,000 | $765,000 | -69.8% | 0.1% |
| Johnson Bank | $755,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $1,110,000 | $755,000 | -32.0% | 0.1% |
| West Gate Bank | $345,000 | $755,000 | 118.8% | 0.1% |
| BROKER SOLUTIONS, INC. | $910,000 | $750,000 | -17.6% | 0.1% |
| First-Citizens Bank & Trust Company | $745,000 | n/a | 0.1% | |
| SOUTHWEST STAGE FUNDING, LLC | $115,000 | $745,000 | 547.8% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,070,000 | $735,000 | -31.3% | 0.1% |
| The Huntington National Bank | $6,230,000 | $730,000 | -88.3% | 0.1% |
| Commerce Home Mortgage, Inc. | $2,285,000 | $720,000 | -68.5% | 0.1% |
| ALAMEDA MORTGAGE CORPORATION | $705,000 | n/a | 0.1% | |
| LOS ANGELES POLICE Federal Credit Union | $305,000 | $705,000 | 131.1% | 0.1% |
| Union Bank | $695,000 | n/a | 0.1% | |
| Toyota Financial Savings Bank | $675,000 | n/a | 0.1% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $670,000 | n/a | 0.1% | |
| Firefighters First Federal Credit Union | $875,000 | $660,000 | -24.6% | 0.1% |
| Sentry Bank | $635,000 | n/a | 0.1% | |
| QUORUM FEDERAL CREDIT UNION | $610,000 | n/a | 0.1% | |
| Flanagan State Bank | $600,000 | n/a | 0.1% | |
| The Federal Savings Bank | $990,000 | $580,000 | -41.4% | 0.1% |
| The Northern Trust Company | $1,825,000 | $575,000 | -68.5% | 0.1% |
| State Bank of the Lakes | $555,000 | n/a | 0.1% | |
| Evolve Bank & Trust | $545,000 | n/a | 0.1% | |
| First United Bank and Trust Company | $545,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $635,000 | $535,000 | -15.7% | 0.1% |
| Old Plank Trail Community Bank | $515,000 | n/a | 0.1% | |
| KeyBank | $505,000 | n/a | 0.1% | |
| OAKTREE FUNDING CORP. | $455,000 | $505,000 | 11.0% | 0.1% |
| HOMESTEAD FUNDING CORP. | $500,000 | n/a | 0.1% | |
| First International Bank & Trust | $495,000 | n/a | 0.1% | |
| First Western Trust Bank | $495,000 | n/a | 0.1% | |
| AMWEST FUNDING CORP. | $475,000 | n/a | 0.1% | |
| INTERNATIONAL CITY MORTGAGE, INC. | $475,000 | n/a | 0.1% | |
| JUSTICE Federal Credit Union | $475,000 | n/a | 0.1% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $235,000 | $465,000 | 97.9% | 0.0% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | $455,000 | n/a | 0.0% | |
| Prosperity Home Mortgage, LLC | $6,050,000 | $445,000 | -92.6% | 0.0% |
| BankVista | $415,000 | n/a | 0.0% | |
| Fifth Third Bank | $405,000 | n/a | 0.0% | |
| GTE Federal Credit Union | $570,000 | $405,000 | -28.9% | 0.0% |
| Sunflower Bank | $405,000 | n/a | 0.0% | |
| Wintrust Bank, N.A. | $695,000 | $405,000 | -41.7% | 0.0% |
| AmeriHome Mortgage Company, LLC | $395,000 | n/a | 0.0% | |
| VILLAGE CAPITAL MORTGAGE | $895,000 | $385,000 | -57.0% | 0.0% |
| Truist | $1,580,000 | $375,000 | -76.3% | 0.0% |
| GREENSTATE CREDIT UNION | $365,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $360,000 | n/a | 0.0% | |
| Baxter Credit Union | $355,000 | n/a | 0.0% | |
| Bell Bank | $355,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $1,045,000 | $350,000 | -66.5% | 0.0% |
| SPOKANE TEACHERS | $345,000 | n/a | 0.0% | |
| Gate City Bank | $335,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $430,000 | $330,000 | -23.3% | 0.0% |
| First Montana Bank, Inc. | $560,000 | $315,000 | -43.8% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $725,000 | $305,000 | -57.9% | 0.0% |
| Community First National Bank | $295,000 | n/a | 0.0% | |
| CORNERSTONE HOME LENDING, INC. | $275,000 | n/a | 0.0% | |
| Nations Lending Corporation | $275,000 | n/a | 0.0% | |
| KINECTA | $695,000 | $265,000 | -61.9% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $265,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $260,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $135,000 | $235,000 | 74.1% | 0.0% |
| Wilmington Savings Fund Society, FSB | $225,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $215,000 | n/a | 0.0% | |
| ZILLOW HOME LOANS, LLC | $165,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $425,000 | $155,000 | -63.5% | 0.0% |
| Altana Federal Credit Union | $155,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $1,975,000 | $155,000 | -92.2% | 0.0% |
| Home Mortgage Alliance Corp | $145,000 | n/a | 0.0% | |
| Deseret First Credit Union | $135,000 | n/a | 0.0% | |
| ON Q FINANCIAL, INC. | $635,000 | $135,000 | -78.7% | 0.0% |
| First National Bank | $125,000 | n/a | 0.0% | |
| Elements Financial Federal Credit Union | $105,000 | n/a | 0.0% | |
| Centier Bank | $65,000 | n/a | 0.0% | |
| HORIZON | $105,000 | $65,000 | -38.1% | 0.0% |
| Axos Bank | $55,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $755,000 | $45,000 | -94.0% | 0.0% |
Kalispell's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 12.5% market share. In second place, with 12.3%, is Glacier Bank, having originated $114,730,000 in loans. In third place, with 9.6%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $89,655,000 in loans. In fourth place, with 4.5%, is QUICKEN LOANS, LLC, having originated $42,360,000 in loans. In fifth place, with 3.2%, is U.S. Bank, having originated $30,280,000 in loans.
Kalispell, MT Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,119 | $625,405,000 | $558,896 |
| Cash Out Refi | 313 | $108,185,000 | $345,639 |
| Refi | 287 | $130,285,000 | $453,955 |
| Home Improvement | 148 | $19,970,000 | $134,932 |
| Other | 148 | $51,080,000 | $345,135 |
Kalispell's most frequently cited loan purpose was Home Purchase, with 1,119 originations. The 2nd most popular reason was Cash Out Refi, with 313 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 717 | $369,075,000 | $514,749 |
| Over 8% | 462 | $107,000,000 | $231,602 |
| 7-8% | 405 | $223,055,000 | $550,753 |
| 5-6% | 310 | $156,280,000 | $504,129 |
| 4-5% | 21 | $11,695,000 | $556,905 |
| 2.5-3% | 10 | $3,540,000 | $354,000 |
| <2.5% | 8 | $2,190,000 | $273,750 |
| 3-4% | 3 | $5,075,000 | $1,691,667 |
During 2024, Kalispell's most frequently originated rate bucket was 6-7%, with 717 originations.
Loan Sizing (Kalispell, MT MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 619 | $188,575,000 | $304,645 |
| $400k-600k | 486 | $234,480,000 | $482,469 |
| $600k-1000k | 288 | $211,200,000 | $733,333 |
| $100k-200k | 262 | $36,060,000 | $137,634 |
| $100,000 or less | 237 | $14,065,000 | $59,346 |
| $Over $1MM | 123 | $250,545,000 | $2,036,951 |
Kalispell's loan sizing saw the bucket of loans from $200k-400k with 619 originations, totaling $188,575,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 513 | $280,275,000 | $546,345 |
| 60-80% | 489 | $314,985,000 | $644,141 |
| Under 20% | 344 | $34,810,000 | $101,192 |
| 40-60% | 290 | $150,620,000 | $519,379 |
| 20-40% | 258 | $72,000,000 | $279,070 |
| Over 100% | 20 | $15,790,000 | $789,500 |
Kalispell's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 513 originations, totaling $280,275,000 in origination value.