Montana · Q1 2026
What Montana borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 332 lenders.
Published 2026-04-29.
Montana · headline
The gap between Montana's lowest- and highest-cost ranked lenders in 2025 was $5,922 on a typical loan — borrowers using Evergreen Moneysource Mortgage Company paid roughly 141% more than borrowers using Nationstar Mortgage LLC on similar loans.
Source: FFIEC HMDA 2025 (n=16,061)
In 2025, 332 mortgage lenders originated 16,061 reportable loans in Montana according to FFIEC HMDA data. The median borrower paid $6,234 in total loan costs. That is 47.0% above the national median across all 50 states and DC.
Montana's median total loan cost was $6,234, 47.0% above the national median of $4,242. On a typical loan, that translates to roughly $1,992 more than borrowers paid in the average state.
Nationstar Mortgage LLC posted the lowest median total loan costs at $4,203, 32.6% below the Montana median. Across the ranked lenders, 11 earned an A grade against peer averages and 1 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Montana are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $5,556 | $3,291 | 1,462 | A |
| 2 | Stockman Bank of Montana | $6,097 | $3,128 | 1,358 | A |
| 3 | United Wholesale Mortgage | $7,403 | $3,641 | 1,293 | B |
| 4 | Glacier Bank | $7,441 | $3,968 | 834 | B |
| 5 | Opportunity Bank of Montana | $5,904 | $3,075 | 644 | A |
| 6 | Evergreen Moneysource Mortgage Company | $10,125 | $5,431 | 642 | F |
| 7 | CrossCountry Mortgage | $6,720 | $3,240 | 557 | A |
| 8 | Guild Mortgage | $7,755 | $3,951 | 519 | B |
| 9 | Mortgage Research Center, LLC | $4,887 | $3,207 | 439 | A |
| 10 | Guaranteed Rate | $6,833 | $2,840 | 389 | A |
Montana median total loan cost
Montana borrowers paid a median $6,234 in total loan costs in 2025, based on 16,061 HMDA-reported loans across 332 lenders.
FFIEC HMDA 2025
Lender spread in Montana
In Montana, the gap between Nationstar Mortgage LLC ($4,203 median) and Evergreen Moneysource Mortgage Company ($10,125 median) was $5,922 on a typical 2025 loan.
FFIEC HMDA 2025
Montana vs. national
Montana closing costs ran 47.0% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Montana was $3,006, with the typical lender clustering tightly around that figure. Discount points appeared on 59% of loans, with a median paid amount of $2,998 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 31% of loans, with a median credit of $334.
Avg $4,572
Median $2,998 when present
Median $334 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Montana) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Montana
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