The Yellowstone Bank Mortgage Rates, Fees & Info

Laurel, MT

LEI: 549300L4GPVDZEPUZC05

Tax ID: 81-0211310

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    The Yellowstone Bank is a smaller bank specializing in Home Purchase and Refi loans. The Yellowstone Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top (well, only) market is Billings.

    The Yellowstone Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. The Yellowstone Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    Originations

    147

    Origination Dollar Volume (All Markets)

    $51,265,000

    Top 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) 120 $40,630,000 $338,583 $7,438 7.33%
    Outside of Metro Areas 27 $10,635,000 $393,889 $5,282 8.17%
    The Yellowstone Bank's top markets include and Billings among others.

    Their top states include:
  • Montana (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)

    • 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.

    BILLINGS
    Similarity Rank: 21
    The Yellowstone Bank
    Similarity Rank: 52
    Stockman Bank of Montana
    Similarity Rank: 408
    American Bank Center
    Similarity Rank: 435
    Opportunity Bank of Montana
    Similarity Rank: 551
    First Interstate Bank
    Similarity Rank: 2052
    UNIVERSAL LENDING CORPORATION
    Similarity Rank: 2394
    Glacier Bank
    Similarity Rank: 3192
    Servion, Inc.
    Similarity Rank: 3568
    Century Mortgage Company DBA Century Lending Company
    Similarity Rank: 4420

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 136 $47,870,000 $351,985 $6,709 7.61%
    FHA 9 $2,855,000 $317,222 $11,273 6.11%
    VA 2 $540,000 $270,000 $7,897 5.06%

    For 2023, The Yellowstone Bank's most frequently originated type of loan was Conventional, with 136 originations. Their 2nd most popular type was FHA, with 9 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 90 $31,830,000 $353,667 $7,857 7.53%
    Refi 35 $13,705,000 $391,571 $7,251 6.97%
    Cash Out Refi 15 $4,245,000 $283,000 $5,246 7.61%
    Home Improvement 5 $1,275,000 $255,000 $624 9.14%
    Other 2 $210,000 $105,000 $1,874 9.63%

    For 2023, The Yellowstone Bank's most frequently cited loan purpose was Home Purchase, with 90 originations. The 2nd most popular reason was Refi, with 35 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 91 $33,215,000 $365,000 $7,761 6.69%
    Other 18 $5,360,000 $297,778 $2,776 9.20%
    20 Year 17 $5,435,000 $319,706 $0 8.88%
    1 Year 10 $5,030,000 $503,000 $2,712 8.87%
    15 Year 9 $1,895,000 $210,556 $9,127 7.46%
    10 Year 1 $235,000 $235,000 $0 9.25%
    5 Year 1 $95,000 $95,000 $1,755 9.50%

    For 2023, The Yellowstone Bank's most frequently cited loan duration was 30 Year, with 91 originations. The 2nd most popular length was Other, with 18 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 28 $15,470,000 $552,500
    $2k-3k 21 $5,855,000 $278,810
    $3k-4k 18 $5,780,000 $321,111
    $1k-2k 15 $2,645,000 $176,333
    $<1k 14 $2,630,000 $187,857
    $4k-5k 12 $4,960,000 $413,333

    The Yellowstone Bank's average total fees were $7,761, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 28 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 51 $16,485,000 $323,235
    6-7% 43 $15,705,000 $365,233
    7-8% 29 $10,365,000 $357,414
    5-6% 22 $8,110,000 $368,636
    4-5% 2 $600,000 $300,000

    During 2023, The Yellowstone Bank's average interest rate for loans was 6.69%, while their most frequently originated rate bucket for loans was Over 8%, with 51 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 60 $17,930,000 $298,833 $7,119 7.14%
    $400k-600k 36 $17,130,000 $475,833 $8,369 7.36%
    $100k-200k 20 $3,200,000 $160,000 $3,955 7.54%
    $100,000 or less 17 $1,115,000 $65,588 $1,928 9.00%
    $600k-1MM 12 $8,790,000 $732,500 $13,765 7.18%
    $1MM+ 2 $3,100,000 $1,550,000 $0 8.44%

    2023 saw The Yellowstone Bank place emphasis on $200k-400k loans with 60 originations, totaling $17,930,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 31 $12,795,000 $412,742 $7,720 7.28%
    $100k-150k 22 $7,310,000 $332,273 $6,997 6.82%
    $250k+ 17 $9,215,000 $542,059 $10,133 6.85%
    $75k-100k 17 $4,745,000 $279,118 $7,578 7.01%
    $50k-75k 14 $2,830,000 $202,143 $6,248 6.82%
    $50k or less 8 $1,050,000 $131,250 $4,404 7.02%

    The Yellowstone Bank lent most frequently to those with incomes in the $150k-250k range, with 31 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
    20-30% 22 $7,630,000 $346,818 $6,926 6.93%
    30-36% 11 $4,505,000 $409,545 $6,691 7.01%
    45% 9 $2,935,000 $326,111 $6,989 6.74%
    40% 9 $3,285,000 $365,000 $6,956 6.76%
    <20% 9 $2,765,000 $307,222 $5,848 6.81%
    41% 6 $2,620,000 $436,667 $10,017 6.38%
    47% 5 $1,855,000 $371,000 $10,212 5.95%
    43% 5 $1,535,000 $307,000 $5,500 7.23%
    44% 4 $1,440,000 $360,000 $11,459 6.38%
    37% 4 $1,180,000 $295,000 $7,195 6.53%
    39% 3 $1,705,000 $568,333 $13,806 7.58%
    49% 3 $1,045,000 $348,333 $10,495 6.29%
    42% 2 $730,000 $365,000 $9,816 6.13%
    36% 2 $660,000 $330,000 $7,070 6.38%
    38% 2 $1,010,000 $505,000 $13,834 5.88%
    46% 2 $260,000 $130,000 $2,536 8.38%
    48% 1 $515,000 $515,000 $8,649 6.38%
    50-60% 1 $255,000 $255,000 $10,230 6.00%

    The Yellowstone Bank lent most frequently to those with DTI ratios of 20-30%, with 22 originations. The next most common DTI ratio? 30-36%, with 11 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 131 $43,615,000 $332,939 $7,069 7.39%
    Not applicable 13 $6,195,000 $476,538 $0 8.73%
    Not provided 2 $930,000 $465,000 $8,706 6.63%
    Black 1 $525,000 $525,000 $8,788 6.00%

    Approval Rates

    Total approvals of all applications
    87.38%

    The Yellowstone Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    76.87%

    The Yellowstone Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 147 $51,265,000 $348,741

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    147 $51,265,000 $348,741

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 18 $4,140,000 $230,000 $5,579 7.65%
    40-60% 41 $16,245,000 $396,220 $6,595 7.59%
    60-80% 38 $14,080,000 $370,526 $7,530 7.52%
    80-100% 39 $15,645,000 $401,154 $8,748 6.98%
    Over 100% 1 $285,000 $285,000 $11,012 4.50%
    Under 20% 10 $870,000 $87,000 $2,240 8.86%