Mortgage lending in Missoula County
2,243 mortgages were originated in Missoula County, Montana, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,243
- Median rate
- 6.750%
- Median lender fees
- $5,747
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $325,000
- Above the going rate (spread over APOR)
- 0.264
- Paid discount points
- 37.7%
- Received lender credits
- 21.7%
- Purchases / refinances
- 49.4% / 29.4%
- Conventional / FHA / VA
- 87.3% / 6.1% / 6.6%
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 66.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $598,000
- Median home price
- $520,000
- That home, 20% down
- $416,000
A median-priced home with 20% down leaves $416,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Missoula County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Glacier Bank | 213 | $7,491 | 7.500% |
| Stockman Bank of Montana | 171 | $6,171 | 7.000% |
| Opportunity Bank of Montana | 153 | $4,988 | 6.875% |
| First Interstate Bank | 122 | — | 8.250% |
| Crosscountry Mortgage, Inc. | 115 | $5,747 | 6.575% |
| CLEARWATER Federal Credit Union | 108 | $1,873 | 7.375% |
| Rocket Mortgage, LLC | 107 | $5,117 | 6.875% |
| Churchill Mortgage Corporation | 101 | $8,600 | 6.125% |
| Primelending, A Plainscapital Company | 100 | $5,530 | 6.625% |
| United Shore Financial Services, LLC | 96 | $5,612 | 6.483% |
What lenders charged here
Lender fees on a $325,000 loan, based on what was actually charged in Missoula County — not a rule of thumb.
From 1,492 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers