Top Mortgage Lenders in the Kalispell, MT area

Which mortgage lender in the Kalispell, MT area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Kalispell, MT area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Kalispell, MT area is Glacier Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.11%. This means that Glacier Bank provided a -0.11% lower interest rate for its customers than other lenders in Kalispell, MT for a similar set of borrowers. Glacier Bank has a market share of 11.1%. On the other hand, the most popular lender in the market is Mann Mortgage, with a market share of 21.2%. Mann Mortgage is an average rate lender in this area, with a “Rate Difference” of +0.08% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Kalispell, MT area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Kalispell, MT is Glacier Bank. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Flagstar Bank. The cheapest VA mortgage provider is Usaa Federal Savings Bank. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Glacier Bank 1, -0.11% 11.05%
Wells Fargo Bank 2, -0.08% 5.90%
First Interstate Bank 3, -0.07% 8.56%
LoanDepot 4, -0.07% 2.14%
Usaa Federal Savings Bank 5, -0.04% 1.92%
Flagstar Bank 6, -0.03% 3.58%
Us Bank 7, -0.03% 1.57%
RPM Mortgage 8, -0.02% 6.82%
Guild Mortgage Company 9, -0.01% 2.53%
Bay Equity 10, 0.00% 16.78%
Stearns Lending 11, 0.00% 1.75%
Barrington Bank & Trust 12, 0.06% 6.64%
Mann Mortgage 13, 0.08% 21.19%
Quicken Loans 14, 0.08% 9.57%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.15% 6.87%
Glacier Bank 2, -0.11% 11.48%
Us Bank 3, -0.08% 1.64%
Flagstar Bank 4, -0.06% 3.98%
Usaa Federal Savings Bank 5, -0.05% 3.04%
First Interstate Bank 6, -0.04% 7.34%
RPM Mortgage 7, -0.03% 7.88%
Guild Mortgage Company 8, -0.01% 3.28%
Stearns Lending 9, -0.01% 2.65%
LoanDepot 10, -0.00% 0.08%
Quicken Loans 11, 0.00% 4.06%
Bay Equity 12, 0.03% 17.49%
Barrington Bank & Trust 13, 0.06% 7.49%
Mann Mortgage 14, 0.11% 22.72%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Glacier Bank 1, -0.12% 10.52%
First Interstate Bank 2, -0.10% 10.12%
LoanDepot 3, -0.06% 4.76%
Bay Equity 4, -0.03% 15.87%
Usaa Federal Savings Bank 5, -0.01% 0.50%
Guild Mortgage Company 6, -0.01% 1.59%
RPM Mortgage 7, -0.00% 5.46%
Flagstar Bank 8, 0.01% 3.08%
Stearns Lending 9, 0.01% 0.60%
Mann Mortgage 10, 0.03% 19.25%
Us Bank 11, 0.04% 1.49%
Wells Fargo Bank 12, 0.04% 4.66%
Barrington Bank & Trust 13, 0.08% 5.56%
Quicken Loans 14, 0.11% 16.57%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Glacier Bank 1, -0.12% 12.83%
LoanDepot 2, -0.10% 2.00%
Wells Fargo Bank 3, -0.08% 6.10%
First Interstate Bank 4, -0.07% 10.72%
Us Bank 5, -0.04% 1.60%
RPM Mortgage 6, -0.03% 5.99%
Flagstar Bank 7, -0.02% 3.42%
Usaa Federal Savings Bank 8, -0.01% 0.91%
Bay Equity 9, 0.01% 14.94%
Stearns Lending 10, 0.01% 1.43%
Guild Mortgage Company 11, 0.01% 2.11%
Mann Mortgage 12, 0.08% 20.75%
Barrington Bank & Trust 13, 0.08% 7.01%
Quicken Loans 14, 0.10% 10.21%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.16% 7.34%
Glacier Bank 2, -0.12% 13.28%
Us Bank 3, -0.09% 1.84%
Flagstar Bank 4, -0.05% 4.00%
RPM Mortgage 5, -0.04% 7.02%
First Interstate Bank 6, -0.04% 9.61%
Usaa Federal Savings Bank 7, -0.02% 1.51%
LoanDepot 8, 0.00% 0.11%
Stearns Lending 9, 0.01% 2.27%
Quicken Loans 10, 0.01% 4.32%
Guild Mortgage Company 11, 0.01% 2.92%
Bay Equity 12, 0.04% 16.95%
Barrington Bank & Trust 13, 0.08% 8.10%
Mann Mortgage 14, 0.12% 20.73%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Glacier Bank 1, -0.13% 12.32%
First Interstate Bank 2, -0.10% 11.96%
LoanDepot 3, -0.09% 4.11%
Bay Equity 4, -0.04% 12.68%
Usaa Federal Savings Bank 5, -0.00% 0.24%
RPM Mortgage 6, -0.00% 4.83%
Stearns Lending 7, 0.01% 0.48%
Guild Mortgage Company 8, 0.01% 1.21%
Flagstar Bank 9, 0.02% 2.78%
Mann Mortgage 10, 0.03% 20.77%
Us Bank 11, 0.04% 1.33%
Wells Fargo Bank 12, 0.05% 4.71%
Barrington Bank & Trust 13, 0.09% 5.80%
Quicken Loans 14, 0.13% 16.79%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Flagstar Bank 1, -0.10% 4.78%
Glacier Bank 2, -0.06% 5.18%
Stearns Lending 3, -0.05% 3.19%
First Interstate Bank 4, -0.05% 1.59%
Bay Equity 5, -0.05% 29.08%
Barrington Bank & Trust 6, -0.04% 3.98%
RPM Mortgage 7, -0.04% 10.36%
Guild Mortgage Company 8, -0.03% 2.39%
LoanDepot 9, -0.02% 1.20%
Quicken Loans 10, -0.01% 7.97%
Mann Mortgage 11, 0.10% 30.28%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Flagstar Bank 1, -0.13% 5.49%
Glacier Bank 2, -0.08% 7.14%
Stearns Lending 3, -0.07% 3.85%
First Interstate Bank 4, -0.07% 2.20%
Barrington Bank & Trust 5, -0.06% 4.40%
RPM Mortgage 6, -0.06% 10.44%
Guild Mortgage Company 7, -0.05% 3.30%
Bay Equity 8, -0.04% 24.18%
Quicken Loans 9, -0.03% 1.65%
Mann Mortgage 10, 0.10% 37.36%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bay Equity 1, -0.04% 42.03%
Flagstar Bank 2, -0.00% 2.90%
Barrington Bank & Trust 3, 0.01% 2.90%
LoanDepot 4, 0.02% 4.35%
Stearns Lending 5, 0.02% 1.45%
Quicken Loans 6, 0.03% 24.64%
RPM Mortgage 7, 0.03% 10.14%
Mann Mortgage 8, 0.05% 11.59%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.05% 41.67%
Glacier Bank 2, 0.01% 6.25%
Barrington Bank & Trust 3, 0.03% 4.17%
Bay Equity 4, 0.03% 14.58%
RPM Mortgage 5, 0.03% 8.33%
Quicken Loans 6, 0.03% 6.25%
First Interstate Bank 7, 0.04% 2.08%
Us Bank 8, 0.04% 12.50%
Mann Mortgage 9, 0.06% 4.17%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.05% 53.85%
Bay Equity 2, 0.04% 3.85%
Barrington Bank & Trust 3, 0.04% 3.85%
Us Bank 4, 0.04% 7.69%
Glacier Bank 5, 0.04% 3.85%
RPM Mortgage 6, 0.05% 7.69%
First Interstate Bank 7, 0.06% 3.85%
Quicken Loans 8, 0.06% 7.69%
Mann Mortgage 9, 0.09% 7.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Glacier Bank 1, -0.02% 9.09%
Wells Fargo Bank 2, -0.01% 27.27%
Bay Equity 3, 0.00% 27.27%
Quicken Loans 4, 0.00% 4.55%
RPM Mortgage 5, 0.01% 9.09%
Barrington Bank & Trust 6, 0.01% 4.55%
Us Bank 7, 0.02% 18.18%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Usaa Federal Savings Bank 1, -0.07% 11.86%
Guild Mortgage Company 2, -0.06% 6.36%
Wells Fargo Bank 3, -0.04% 3.39%
Flagstar Bank 4, -0.04% 4.24%
First Interstate Bank 5, -0.04% 1.27%
Quicken Loans 6, -0.01% 7.20%
LoanDepot 7, -0.01% 4.66%
Us Bank 8, -0.01% 0.85%
Barrington Bank & Trust 9, -0.00% 7.20%
Glacier Bank 10, 0.01% 5.08%
Stearns Lending 11, 0.01% 2.97%
RPM Mortgage 12, 0.02% 8.90%
Bay Equity 13, 0.03% 17.80%
Mann Mortgage 14, 0.06% 18.22%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Usaa Federal Savings Bank 1, -0.08% 17.01%
Guild Mortgage Company 2, -0.08% 6.12%
Wells Fargo Bank 3, -0.07% 4.08%
Us Bank 4, -0.02% 1.36%
Barrington Bank & Trust 5, -0.01% 8.16%
Flagstar Bank 6, -0.01% 2.72%
Quicken Loans 7, 0.00% 4.76%
Glacier Bank 8, 0.01% 6.80%
Stearns Lending 9, 0.01% 4.08%
RPM Mortgage 10, 0.03% 10.20%
Mann Mortgage 11, 0.05% 19.73%
Bay Equity 12, 0.06% 14.97%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Flagstar Bank 1, -0.05% 6.74%
Guild Mortgage Company 2, -0.04% 6.74%
RPM Mortgage 3, -0.03% 6.74%
First Interstate Bank 4, -0.03% 3.37%
Usaa Federal Savings Bank 5, -0.01% 3.37%
Quicken Loans 6, -0.01% 11.24%
Stearns Lending 7, -0.01% 1.12%
Bay Equity 8, -0.01% 22.47%
Glacier Bank 9, -0.00% 2.25%
LoanDepot 10, 0.01% 12.36%
Barrington Bank & Trust 11, 0.02% 5.62%
Wells Fargo Bank 12, 0.02% 2.25%
Mann Mortgage 13, 0.07% 15.73%

* Data is compiled for the Kalispell, MT commuting zone area, which comprises of counties of Flathead County, MT, Lake County, MT, and Sanders County, MT. This includes cities/towns/communities of Kalispell, MT as well as Whitefish, MT, Bigfork, MT, Columbia Falls, MT, Marion, MT, Polson, MT, Lakeside, MT, Evergreen, MT, Helena Flats, MT, Thompson Falls, MT, Hungry Horse, MT, Woods Bay, MT, Plains, MT, Swan Lake, MT, St. Ignatius, MT, Ronan, MT, Pablo, MT, Arlee, MT, and Hot Springs, MT. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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