Mortgage lending in Billings, MT
4,793 mortgages were originated in the Billings, MT area in 2025, and here is what they cost.
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
- 4,793
- Median rate
- 6.500%
- Median lender fees
- $6,793
- Median loan amount
- $255,000
- Median spread over APOR
- 0.185
- Paid discount points
- 37.1%
- Received lender credits
- 17.9%
- Purchases / refinances
- 54.5% / 28.2%
- Conventional / FHA / VA
- 75.3% / 14.5% / 10%
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 64.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Billings, MT area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Stockman Bank of Montana | 464 | $6,262 | 7.000% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 363 | $11,483 | 6.125% |
| Altana Federal Credit Union | 309 | $835 | 6.250% |
| Glacier Bank | 284 | $7,084 | 6.563% |
| Rocket Mortgage, LLC | 263 | $5,234 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 231 | $8,465 | 6.125% |
| VALLEY FINANCIAL CREDIT UNION | 219 | $2,823 | 7.250% |
| Opportunity Bank of Montana | 181 | $5,924 | 7.000% |
| The Yellowstone Bank | 170 | — | — |
| GUILD MORTGAGE COMPANY | 155 | $9,502 | 6.125% |