Mortgage lending in Cascade County
1,989 mortgages were originated in Cascade County, Montana, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,989
- Median rate
- 6.375%
- Median lender fees
- $6,294
- Median loan amount
- $245,000
- Median spread over APOR
- 0.125
- Paid discount points
- 33.5%
- Received lender credits
- 19.6%
- Purchases / refinances
- 51.4% / 32.1%
- Conventional / FHA / VA
- 62.6% / 12.5% / 24.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 73.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Cascade County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Stockman Bank of Montana | 381 | $6,914 | 6.500% |
| Opportunity Bank of Montana | 210 | $6,489 | 6.125% |
| Fairway Independent Mortgage Corporation | 122 | $9,194 | 5.875% |
| Rocket Mortgage, LLC | 113 | $5,290 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 90 | $6,932 | 5.813% |
| Montana Federal Credit Union | 87 | $794 | 6.740% |
| FREEDOM MORTGAGE CORPORATION | 76 | $4,482 | 5.750% |
| Mortgage Research Center, LLC | 69 | $7,501 | 6.125% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 63 | $7,202 | 6.125% |
| Horizon Federally Insured State-Chartered Credit Union | 54 | — | 2.990% |
What lenders charged here
Lender fees on a $245,000 loan, based on what was actually charged in Cascade County — not a rule of thumb.
From 1,462 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers