Mortgage lending in Helena, MT
2,385 mortgages were originated in the Helena, 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
- 2,385
- Median rate
- 6.750%
- Median lender fees
- $7,047
- Median loan amount
- $305,000
- Median spread over APOR
- 0.280
- Paid discount points
- 44%
- Received lender credits
- 23.1%
- Purchases / refinances
- 49.2% / 30.8%
- Conventional / FHA / VA
- 74.8% / 9.8% / 15.3%
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 71.3% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Helena, MT area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Glacier Bank | 268 | $7,594 | 7.500% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 244 | $9,414 | 6.500% |
| Stockman Bank of Montana | 205 | $7,388 | 6.750% |
| Opportunity Bank of Montana | 161 | $6,039 | 7.000% |
| Rocket Mortgage, LLC | 142 | $5,933 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 87 | $7,794 | 6.078% |
| U.S. Bank National Association | 70 | — | 6.990% |
| First Interstate Bank | 69 | — | 8.250% |
| Mortgage Research Center, LLC | 63 | $5,058 | 5.990% |
| UNION HOME MORTGAGE CORP. | 60 | $10,301 | 6.625% |