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 6.67% 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%
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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 150 6.73% $9,843
CROSSCOUNTRY MORTGAGE, LLC 103 7.09% $6,813
Glacier Bank 95 7.01% $10,832
QUICKEN LOANS, LLC 53 6.68% $9,855
Barrington Bank & Trust Company, N.A. 46 6.85% $7,034
Plains Commerce Bank 40 6.74% $6,778
Stockman Bank of Montana 27 6.47% $8,433
U.S. Bank 23 6.49% $10,572
PENNYMAC LOAN SERVICES, LLC 21 6.58% $7,975
Flagstar Bank, FSB 14 6.97% $6,971
Morgan Stanley Private Bank 14 5.80% $5,093
First Interstate Bank 12 6.89% $7,645
CALCON MUTUAL MORTGAGE LLC 12 6.54% $9,562
Paramount Residential Mortgage Group, Inc. 12 6.90% $8,803
ENVOY MORTGAGE, LTD 11 6.74% $5,979
Century Mortgage Company DBA Century Lending Company 10 6.94% $9,534
Wells Fargo Bank 10 6.85% $6,903
PARK SIDE FINANCIAL 8 6.83% $4,276
JPMorgan Chase Bank 8 6.05% $18,882
CMG MORTGAGE, INC. 8 7.06% $7,485
BAY EQUITY LLC 7 6.35% $4,265
MUTUAL OF OMAHA MORTGAGE, INC. 6 6.43% $3,629
Mr. Cooper ( Nationstar Mortgage ) 6 6.67% $8,286
S1L, Inc. 6 6.52% $7,744
AMERISAVE MORTGAGE CORPORATION 6 6.46% $12,115
NEWREZ LLC 5 6.23% $8,735
GUARANTEED RATE, INC. 5 7.03% $6,341
Bank of America 4 6.16% $4,631
ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 6.81% $6,223
NEXERA HOLDING LLC 4 7.28% $13,010
CHURCHILL MORTGAGE CORPORATION 3 6.08% $12,577
Charles Schwab Bank, SSB 3 5.97% $4,061
BMO Harris Bank 3 7.04% $7,389
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.29% $9,799
The Loan Store, Inc. 3 6.58% $7,125
ADVANCIAL 3 7.96% $15,551
LOANDEPOT.COM, LLC 3 6.92% $9,306
NBKC BANK 3 6.58% $4,002
Opportunity Bank of Montana 3 7.08% $6,082
NAVY FEDERAL CREDIT UNION 3 5.63% $6,852
GUILD MORTGAGE COMPANY 3 6.13% $7,203
PNC Bank 3 6.63% $5,430
V.I.P. MORTGAGE, INC. 3 6.71% $7,576
UBS Bank USA 2 5.88% $11,261
AMERICAN FINANCING CORPORATION 2 6.06% $8,112
American Mortgage & Equity Consultants, Inc. 2 6.88% $16,164
BETTER MORTGAGE CORPORATION 2 6.88% $2,866
Citadel Servicing Corporation 2 8.13% $27,343
Commerce Home Mortgage, Inc. 2 9.44% $14,693
Discover Bank 2 7.48% $0
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 2 7.19% $12,666
Firefighters First Federal Credit Union 2 6.50% $1,582
FIRST COLONY MORTGAGE CORPORATION 2 7.19% $11,104
FREEDOM MORTGAGE CORPORATION 2 5.99% $5,651
JMJ FINANCIAL GROUP 2 7.00% $10,162
MORIA DEVELOPMENT, INC. 2 7.50% $11,246
MOVEMENT MORTGAGE, LLC 2 7.09% $2,828
OCMBC, INC. 2 8.50% $25,298
PLAZA HOME MORTGAGE, INC. 2 6.31% $12,373
Sierra Pacific Mortgage Company, Inc. 2 6.81% $5,229
Stifel Bank and Trust 2 6.06% $4,075
The Huntington National Bank 2 6.81% $4,850
ALAMEDA MORTGAGE CORPORATION 1 8.13% $13,146
Mortgage Research Center, LLC 1 6.99% $9,475
MOUNTAIN AMERICA 1 6.13% $9,723
Washington Trust Bank 1 7.38% $12,117
HOMEXPRESS MORTGAGE CORP. 1 8.62% $19,830
Hometown Equity Mortgage, LLC 1 12.75% $5,321
HOMESTEAD FUNDING CORP. 1 6.88% $3,863
HOMESIDE FINANCIAL, LLC 1 6.63% $4,249
Gate City Bank 1 6.13% $6,801
First Western Trust Bank 1 6.88% $895
AHL FUNDING 1 6.63% $25,707
First International Bank & Trust 1 8.38% $9,141
First-Citizens Bank & Trust Company 1 6.25% $3,534
FBC MORTGAGE, LLC 1 6.13% $4,424
Evolve Bank & Trust 1 7.00% $7,691
PHH Mortgage Corporation 1 7.13% $5,878
Pinnacle Bank 1 7.13% $5,696
CORNERSTONE HOME LENDING, INC. 1 7.49% $5,475
PLANET HOME LENDING, LLC 1 6.88% $12,554
Willamette Valley Bank 1 6.13% $13,431
Cornerstone First Mortgage, Inc 1 7.13% $5,738
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.25% $5,011
Citibank 1 6.38% $5,418
Raymond James Bank 1 5.63% $6,582
Carrington Mortgage Services, LLC 1 6.13% $7,653
Wilmington Savings Fund Society, FSB 1 6.50% $3,446
SPOKANE TEACHERS 1 6.63% $8,275
STANFORD Federal Credit Union 1 6.50% $9,439
WINGS FINANCIAL 1 5.88% $6,988
Bell Bank 1 7.13% $3,477
Sunflower Bank 1 6.49% $9,751
ZILLOW HOME LOANS, LLC 1 7.13% $7,357
Baxter Credit Union 1 6.25% $7,712
Toyota Financial Savings Bank 1 7.30% $5,810
TRIAD FINANCIAL SERVICES, INC. 1 8.95% $0
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 7.75% $11,255
Union Bank 1 7.75% $4,726
UNION HOME MORTGAGE CORP. 1 6.88% $11,560
AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.63% $5,211
USAA Federal Savings Bank 1 6.50% $4,944
AMERICAN FINANCIAL RESOURCES, INC. 1 6.50% $8,461
VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.49% $3,592
KeyBank 1 7.63% $5,297
LAKEVIEW LOAN SERVICING, LLC 1 6.50% $5,129
LENOX FINANCIAL MORTGAGE CORPORATION 1 6.62% $7,538
JUSTICE Federal Credit Union 1 6.63% $5,682
LOS ANGELES POLICE Federal Credit Union 1 6.25% $5,760
MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION 1 7.25% $5,811
Johnson Bank 1 6.70% $5,886

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.