Mortgage lending in Flathead County
2,585 mortgages were originated in Flathead 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
- 2,585
- Median rate
- 6.625%
- Median lender fees
- $7,104
- Median loan amount
- $395,000
- Median spread over APOR
- 0.251
- Paid discount points
- 38.8%
- Received lender credits
- 24.6%
- Purchases / refinances
- 47.8% / 36.5%
- Conventional / FHA / VA
- 80.9% / 8.4% / 10.8%
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 71.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $615,250
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 Flathead County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 385 | $9,034 | 6.418% |
| Glacier Bank | 314 | $8,641 | 7.390% |
| CROSSCOUNTRY MORTGAGE, INC. | 171 | $6,113 | 6.875% |
| Rocket Mortgage, LLC | 151 | $5,161 | 6.500% |
| Stockman Bank of Montana | 86 | — | 6.750% |
| KIND LENDING, LLC | 81 | $8,193 | 6.500% |
| First Interstate Bank | 79 | — | 8.250% |
| Barrington Bank & Trust Company, National Association | 77 | $7,260 | 6.250% |
| TrailWest Bank | 63 | — | — |
| ENVOY MORTGAGE, LTD | 61 | $6,285 | 6.625% |
What lenders charged here
Lender fees on a $395,000 loan, based on what was actually charged in Flathead County — not a rule of thumb.
From 1,847 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