The Yellowstone Bank Mortgage Rates, Fees & Info
Laurel, MTLEI: 549300L4GPVDZEPUZC05
Tax ID: 81-0211310
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
The Yellowstone Bank is a smaller bank specializing in Home Purchase, Refi, and Cash Out Refi loans. The Yellowstone Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top two markets are Billings and Bozeman .The Yellowstone Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
160Origination Dollar Volume (All Markets)
$60,430,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| BILLINGS, MT (FHA|USDA|VA) | 123 | $36,025,000 | $292,886 | $0 | 0.00% |
| Bozeman, MT (FHA|USDA|VA) | 13 | $13,735,000 | $1,056,538 | $0 | 0.00% |
| Outside of Metro Areas | 24 | $10,670,000 | $444,583 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against The Yellowstone Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 16
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 150 | $56,790,000 | $378,600 | $0 | 0.00% |
| FHA | 5 | $1,525,000 | $305,000 | $0 | 0.00% |
| VA | 5 | $2,115,000 | $423,000 | $0 | 0.00% |
For 2024, The Yellowstone Bank's most frequently originated type of loan was Conventional, with 150 originations. Their 2nd most popular type was FHA, with 5 originations.
Loan Reason
For 2024, The Yellowstone Bank's most frequently cited loan purpose was Home Purchase, with 92 originations. The 2nd most popular reason was Refi, with 38 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 160 | $60,430,000 | $377,688 | $0 | 0.00% |
For 2024, The Yellowstone Bank's most frequently cited loan duration was Other, with 160 originations.
Loan Sizing
2024 saw The Yellowstone Bank place emphasis on $200k-400k loans with 61 originations, totaling $17,115,000 in origination value.
Applicant Income
The Yellowstone Bank lent most frequently to those with incomes in the $150k-250k range, with 27 originations. The second most popular income band? $100k-150k, with 22 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 160 | $60,430,000 | $377,688 | $0 | 0.00% |
The Yellowstone Bank lent most frequently to those with DTI ratios of Exempt%, with 160 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.87%
The Yellowstone Bank has an average approval rate.
Pick Rate
Approvals leading to origination81.88%
The Yellowstone Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 160 | $60,430,000 | $377,688 |