First Interstate Bank
2,443 mortgages originated in 2025 across 8 states, and what they cost borrowers.
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
- 2,443
- Median rate
- 8.250%
- Median lender fees
- $4,242
- Median loan amount
- $105,000
- Median spread over APOR
- 1.040
- Paid discount points
- 6.7%
- Received lender credits
- 6.3%
- Purchases / refinances
- 20.8% / 24.2%
- Conventional / FHA / VA
- 97.5% / 1.8% / 0.4%
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 17.9% of loans here — see methodology.
Where First Interstate Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Montana | 610 | $5,087 | 8.250% |
| South Dakota | 364 | $3,678 | 8.250% |
| Oregon | 317 | — | 8.250% |
| Wyoming | 306 | $3,693 | 8.125% |
| Iowa | 244 | $2,896 | 8.125% |
| Idaho | 236 | — | 8.250% |
| Nebraska | 183 | — | 8.250% |
| Washington | 79 | — | 8.250% |