Which mortgage lender in the Kalispell, MT area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Kalispell, MT area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.
Going by historical data, the best mortgage lender in the Kalispell, MT area in terms of interest rate is Glacier Bank, with an average “Rate Difference” of -0.11%. This means that, comparing similar borrowers, Glacier Bank provided a -0.11% lower interest rate for its customers than other lenders in the area. Glacier Bank has a market share of 11.1%. On the other hand, the most popular lender in the Kalispell, MT area is Mann Mortgage, with a larger market share of 21.2%. Mann Mortgage is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.08% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in 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, going by historical data, 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 (above $548,250 or $822,375 depending on the area in 2021), 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. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.
Ranking of Mortgage Lenders in Kalispell, MT
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Glacier Bank | -0.11% | 11.11% | |
| Wells Fargo Bank | -0.08% | 5.93% | |
| First Interstate Bank | -0.07% | 8.60% | |
| loanDepot | -0.07% | 2.15% | |
| USAA | -0.04% | 1.93% | |
| Flagstar Bank | -0.04% | 3.60% | |
| US Bank | -0.03% | 1.58% | |
| LendUS LLC | -0.02% | 6.85% | |
| Guild Mortgage Company | -0.01% | 2.55% | |
| Stearns Home Loans | 0.00% | 1.76% | |
| Bay Equity Home Loans | 0.00% | 16.77% | |
| Barrington Bank & Trust | 0.06% | 6.67% | |
| Mann Mortgage | 0.08% | 21.20% | |
| Quicken Loans | 0.08% | 9.31% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.15% | 6.90% | |
| Glacier Bank | -0.11% | 11.52% | |
| US Bank | -0.08% | 1.65% | |
| Flagstar Bank | -0.06% | 4.00% | |
| USAA | -0.05% | 3.06% | |
| First Interstate Bank | -0.04% | 7.37% | |
| LendUS LLC | -0.03% | 7.92% | |
| Guild Mortgage Company | -0.01% | 3.29% | |
| Stearns Home Loans | -0.01% | 2.66% | |
| loanDepot | -0.00% | 0.08% | |
| Quicken Loans | 0.01% | 3.84% | |
| Bay Equity Home Loans | 0.03% | 17.48% | |
| Barrington Bank & Trust | 0.06% | 7.52% | |
| Mann Mortgage | 0.11% | 22.73% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Glacier Bank | -0.12% | 10.58% | |
| First Interstate Bank | -0.10% | 10.18% | |
| loanDepot | -0.06% | 4.79% | |
| Bay Equity Home Loans | -0.03% | 15.87% | |
| USAA | -0.01% | 0.50% | |
| Guild Mortgage Company | -0.01% | 1.60% | |
| LendUS LLC | -0.00% | 5.49% | |
| Flagstar Bank | 0.01% | 3.09% | |
| Stearns Home Loans | 0.01% | 0.60% | |
| Mann Mortgage | 0.03% | 19.26% | |
| US Bank | 0.04% | 1.50% | |
| Wells Fargo Bank | 0.05% | 4.69% | |
| Barrington Bank & Trust | 0.08% | 5.59% | |
| Quicken Loans | 0.11% | 16.27% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Glacier Bank | -0.12% | 12.87% | |
| loanDepot | -0.10% | 2.00% | |
| Wells Fargo Bank | -0.08% | 6.12% | |
| First Interstate Bank | -0.07% | 10.76% | |
| US Bank | -0.04% | 1.60% | |
| LendUS LLC | -0.03% | 6.01% | |
| Flagstar Bank | -0.02% | 3.43% | |
| USAA | -0.01% | 0.92% | |
| Bay Equity Home Loans | 0.01% | 14.99% | |
| Stearns Home Loans | 0.01% | 1.43% | |
| Guild Mortgage Company | 0.01% | 2.12% | |
| Mann Mortgage | 0.08% | 20.77% | |
| Barrington Bank & Trust | 0.08% | 7.04% | |
| Quicken Loans | 0.10% | 9.95% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.16% | 7.36% | |
| Glacier Bank | -0.12% | 13.31% | |
| US Bank | -0.09% | 1.84% | |
| Flagstar Bank | -0.05% | 4.00% | |
| LendUS LLC | -0.04% | 7.03% | |
| First Interstate Bank | -0.04% | 9.63% | |
| USAA | -0.02% | 1.52% | |
| loanDepot | 0.00% | 0.11% | |
| Stearns Home Loans | 0.01% | 2.27% | |
| Guild Mortgage Company | 0.01% | 2.92% | |
| Quicken Loans | 0.01% | 4.11% | |
| Bay Equity Home Loans | 0.04% | 16.99% | |
| Barrington Bank & Trust | 0.08% | 8.12% | |
| Mann Mortgage | 0.12% | 20.78% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Glacier Bank | -0.13% | 12.38% | |
| First Interstate Bank | -0.10% | 12.01% | |
| loanDepot | -0.09% | 4.13% | |
| Bay Equity Home Loans | -0.04% | 12.74% | |
| USAA | -0.00% | 0.24% | |
| LendUS LLC | 0.00% | 4.85% | |
| Stearns Home Loans | 0.01% | 0.49% | |
| Guild Mortgage Company | 0.01% | 1.21% | |
| Flagstar Bank | 0.02% | 2.79% | |
| Mann Mortgage | 0.03% | 20.75% | |
| US Bank | 0.04% | 1.33% | |
| Wells Fargo Bank | 0.05% | 4.73% | |
| Barrington Bank & Trust | 0.09% | 5.83% | |
| Quicken Loans | 0.13% | 16.50% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Flagstar Bank | -0.10% | 4.78% | |
| Glacier Bank | -0.06% | 5.18% | |
| Stearns Home Loans | -0.05% | 3.19% | |
| First Interstate Bank | -0.05% | 1.59% | |
| Bay Equity Home Loans | -0.05% | 29.08% | |
| Barrington Bank & Trust | -0.04% | 3.98% | |
| LendUS LLC | -0.04% | 10.36% | |
| Guild Mortgage Company | -0.03% | 2.39% | |
| loanDepot | -0.02% | 1.20% | |
| Quicken Loans | -0.01% | 7.97% | |
| Mann Mortgage | 0.10% | 30.28% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Flagstar Bank | -0.13% | 5.49% | |
| Glacier Bank | -0.08% | 7.14% | |
| Stearns Home Loans | -0.07% | 3.85% | |
| First Interstate Bank | -0.07% | 2.20% | |
| Barrington Bank & Trust | -0.06% | 4.40% | |
| LendUS LLC | -0.06% | 10.44% | |
| Guild Mortgage Company | -0.05% | 3.30% | |
| Bay Equity Home Loans | -0.04% | 24.18% | |
| Quicken Loans | -0.03% | 1.65% | |
| Mann Mortgage | 0.10% | 37.36% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bay Equity Home Loans | -0.04% | 42.03% | |
| Flagstar Bank | -0.00% | 2.90% | |
| Barrington Bank & Trust | 0.01% | 2.90% | |
| loanDepot | 0.02% | 4.35% | |
| Stearns Home Loans | 0.02% | 1.45% | |
| Quicken Loans | 0.03% | 24.64% | |
| LendUS LLC | 0.03% | 10.14% | |
| Mann Mortgage | 0.05% | 11.59% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.04% | 44.44% | |
| Glacier Bank | 0.01% | 6.67% | |
| Bay Equity Home Loans | 0.02% | 11.11% | |
| Barrington Bank & Trust | 0.03% | 4.44% | |
| Quicken Loans | 0.03% | 4.44% | |
| LendUS LLC | 0.03% | 8.89% | |
| First Interstate Bank | 0.04% | 2.22% | |
| US Bank | 0.04% | 13.33% | |
| Mann Mortgage | 0.06% | 4.44% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.04% | 58.33% | |
| Barrington Bank & Trust | 0.04% | 4.17% | |
| US Bank | 0.05% | 8.33% | |
| Glacier Bank | 0.05% | 4.17% | |
| LendUS LLC | 0.05% | 8.33% | |
| Quicken Loans | 0.05% | 4.17% | |
| First Interstate Bank | 0.06% | 4.17% | |
| Mann Mortgage | 0.09% | 8.33% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Glacier Bank | -0.02% | 9.52% | |
| Wells Fargo Bank | -0.01% | 28.57% | |
| Bay Equity Home Loans | -0.00% | 23.81% | |
| Quicken Loans | 0.00% | 4.76% | |
| LendUS LLC | 0.01% | 9.52% | |
| Barrington Bank & Trust | 0.01% | 4.76% | |
| US Bank | 0.02% | 19.05% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| USAA | -0.07% | 11.97% | |
| Guild Mortgage Company | -0.06% | 6.41% | |
| Wells Fargo Bank | -0.05% | 3.42% | |
| Flagstar Bank | -0.04% | 4.27% | |
| First Interstate Bank | -0.04% | 1.28% | |
| loanDepot | -0.01% | 4.70% | |
| US Bank | -0.01% | 0.85% | |
| Quicken Loans | -0.01% | 6.84% | |
| Barrington Bank & Trust | -0.00% | 7.26% | |
| Glacier Bank | 0.01% | 5.13% | |
| Stearns Home Loans | 0.01% | 2.99% | |
| LendUS LLC | 0.02% | 8.97% | |
| Bay Equity Home Loans | 0.03% | 17.95% | |
| Mann Mortgage | 0.06% | 17.95% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| USAA | -0.08% | 17.12% | |
| Guild Mortgage Company | -0.08% | 6.16% | |
| Wells Fargo Bank | -0.07% | 4.11% | |
| US Bank | -0.02% | 1.37% | |
| Barrington Bank & Trust | -0.01% | 8.22% | |
| Flagstar Bank | -0.01% | 2.74% | |
| Quicken Loans | 0.00% | 4.79% | |
| Glacier Bank | 0.01% | 6.85% | |
| Stearns Home Loans | 0.01% | 4.11% | |
| LendUS LLC | 0.03% | 10.27% | |
| Mann Mortgage | 0.05% | 19.18% | |
| Bay Equity Home Loans | 0.06% | 15.07% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Flagstar Bank | -0.05% | 6.82% | |
| Guild Mortgage Company | -0.04% | 6.82% | |
| LendUS LLC | -0.03% | 6.82% | |
| First Interstate Bank | -0.03% | 3.41% | |
| USAA | -0.02% | 3.41% | |
| Stearns Home Loans | -0.01% | 1.14% | |
| Bay Equity Home Loans | -0.01% | 22.73% | |
| Glacier Bank | -0.00% | 2.27% | |
| Quicken Loans | -0.00% | 10.23% | |
| loanDepot | 0.01% | 12.50% | |
| Barrington Bank & Trust | 0.02% | 5.68% | |
| Wells Fargo Bank | 0.02% | 2.27% | |
| Mann Mortgage | 0.07% | 15.91% |
* 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 of the data is 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 conditional on the commuting zone, 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.
Mortgage Lender Rankings in Other Cities
This page contains information about the top mortgage lenders in the Kalispell, MT area. For mortgage lender rankings in other cities, click here.