Current Montana Mortgage Rates
Average market rates for December 06, 2025 in Montana are 6.22% for 30-year fixed purchase and 6.31% for 30-year fixed refinance
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.22% | 6.25% |
| 30-year Fixed Refinance | 6.31% | 6.33% |
Rates based on market averages as of Dec 05, 2025.Mortgage Rate Trends in Montana
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.22% | 6.25% |
| 30-year Fixed Refinance | 6.31% | 6.33% |
Rates based on market averages as of Dec 05, 2025.Montana Purchase Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Purchase | 5.36% | 5.41% |
| 15-year Fixed Jumbo Purchase | 6.35% | 6.38% |
| 30-year Fixed Purchase | 6.22% | 6.25% |
| 30-year Fixed Jumbo Purchase | 6.45% | 6.47% |
Rates based on market averages as of Dec 05, 2025.Montana Refinance Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Refinance | 5.33% | 5.37% |
| 15-year Fixed Jumbo Refinance | 6.30% | 6.33% |
| 30-year Fixed Refinance | 6.31% | 6.33% |
| 30-year Fixed Jumbo Refinance | 6.43% | 6.44% |
Rates based on market averages as of Dec 05, 2025.Montana ARM Rates
| Product | Rate | APR |
|---|
| 5/6 Arm (purchase) | 6.05% | 6.08% |
| 5/6 Arm (refinance) | 6.06% | 6.09% |
| 5/6 Jumbo Arm (purchase) | 5.89% | 5.90% |
| 5/6 Jumbo Arm (refinance) | 5.94% | 5.95% |
Rates based on market averages as of Dec 05, 2025.How we source rates and rate trends
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Rate data in the charts and tables above comes from
RateUpdate.com.
The displayed rates come from multiple providers and represent market averages. Your mortgage rate will differ
based on individual factors like your credit score as well as differing loan types and terms offered by lenders.
Most Common Mortgage Types in Montana
- Conventional: 9,738 loans
- FHA: 1,148 loans
- VA: 1,445 loans
- USDA: 167 loans
Top Purchase Lenders in Montana by Volume
- Stockman Bank Of Montana: 1,441 loans
- Opportunity Bank Of Montana: 1,301 loans
- Glacier Bank: 1,065 loans
- Mann Financial Inc.: 733 loans
- First Interstate Bank: 543 loans
- Rocket Mortgage, LLC: 377 loans
- Guaranteed Rate, Inc.: 315 loans
- Wells Fargo Bank: 304 loans
- Mortgage Research Center, LLC: 301 loans
- Guild Mortgage Company LLC: 296 loans
Top Refinance Lenders in Montana by Volume
- Glacier Bank: 421 loans
- First Interstate Bank: 260 loans
- Stockman Bank Of Montana: 246 loans
- Rocket Mortgage, LLC: 150 loans
- U.S. Bank: 150 loans
- Opportunity Bank Of Montana: 112 loans
- American Advisors Group: 110 loans
- Park Side Financial: 103 loans
- Flagstar Bank, Fsb: 69 loans
- Wells Fargo Bank: 69 loans
Top Cash-Out Refinance Lenders in Montana by Volume
- Rocket Mortgage, LLC: 848 loans
- Loandepot.com, LLC: 237 loans
- Wells Fargo Bank: 233 loans
- Glacier Bank: 221 loans
- Freedom Mortgage Corporation: 205 loans
- Stockman Bank Of Montana: 194 loans
- Opportunity Bank Of Montana: 187 loans
- Valley Financial Credit Union: 177 loans
- Flagstar Bank, Fsb: 173 loans
- First Interstate Bank: 155 loans
How we source lender data
Meet the Author
The Refi.com team is compiled of journalists, editors, and mortgage industry professionals to ensure you have the most accurate information on mortgage refinancing.
