Bozeman Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Bozeman averaged 6.86% for the week of 2024-04-11, compared to the national average of 6.88% for the same period.

The average rate for the prior week (2024-04-04) was 6.5% and one month ago for the week of 2024-03-07, the average rate was 6.66%.

Bozeman's average rate one year ago was 6.26%.

For refis of the same type during the week of 2024-04-11, the average rate was 6.98%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-04-11 6.88%
Bozeman 30 Year Fixed Rate 2024-04-11 6.86%
Bozeman 30 Year Fixed Rate Refi 2024-04-11 6.98%
Bozeman 15 Year Fixed Rate 2024-04-11 6.36%
Bozeman 15 Year Fixed Rate Refi 2024-04-11 6.76%
Bozeman 30 Year FHA 2024-04-11 6.18%
Bozeman 30 Year FHA Refi 2024-04-11 6.54%
Bozeman 30 Year USDA 2024-04-11 6.51%
Bozeman 30 Year USDA Refi 2024-04-11 6.61%
Bozeman 30 Year VA 2024-04-11 6.46%
Bozeman 30 Year VA Refi 2024-04-11 6.37%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Bozeman, MT.

Bozeman Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Bozeman, MT market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
GUARANTEED RATE, INC. 95 6.71% $5,897
Stockman Bank of Montana 77 6.48% $10,824
Glacier Bank 73 6.79% $9,649
Opportunity Bank of Montana 62 6.36% $10,106
CORNERSTONE HOME LENDING, INC. 61 6.84% $9,695
UNITED WHOLESALE MORTGAGE, LLC 51 6.55% $11,005
U.S. Bank 50 6.44% $9,018
CROSSCOUNTRY MORTGAGE, LLC 47 6.90% $10,338
GoPrime Mortgage, Inc. 44 6.68% $11,165
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 44 6.66% $8,065
PRIMELENDING, A PLAINSCAPITAL COMPANY 35 6.61% $9,462
QUICKEN LOANS, LLC 31 6.55% $10,791
AMERICAN PACIFIC MORTGAGE CORPORATION 28 7.29% $9,312
JPMorgan Chase Bank 20 6.38% $8,337
Morgan Stanley Private Bank 20 5.75% $5,299
First Interstate Bank 17 6.62% $12,171
GUILD MORTGAGE COMPANY 16 7.02% $10,278
Flagstar Bank, FSB 13 6.36% $18,376
Flanagan State Bank 13 6.58% $6,435
Wells Fargo Bank 12 6.86% $5,516
PENNYMAC LOAN SERVICES, LLC 11 6.77% $12,940
V.I.P. MORTGAGE, INC. 9 7.26% $9,228
UBS Bank USA 9 5.65% $10,096
MUTUAL OF OMAHA MORTGAGE, INC. 8 6.48% $9,343
Stifel Bank and Trust 8 6.20% $4,060
CMG MORTGAGE, INC. 7 7.18% $7,402
Prosperity Home Mortgage, LLC 7 7.05% $14,498
CHERRY CREEK MORTGAGE, LLC 7 6.86% $626
CALCON MUTUAL MORTGAGE LLC 7 7.13% $18,137
LOANDEPOT.COM, LLC 6 6.83% $10,691
Bank of America 6 6.06% $8,733
Charles Schwab Bank, SSB 5 5.65% $12,114
NAVY FEDERAL CREDIT UNION 5 6.55% $4,116
Citibank 5 5.90% $29,404
Renasant Bank 5 6.22% $12,483
MANN FINANCIAL INC. 5 6.98% $11,996
NEWREZ LLC 5 7.00% $8,238
Raymond James Bank 4 5.69% $9,216
BMO Harris Bank 4 5.53% $10,217
American Mortgage & Equity Consultants, Inc. 4 6.22% $16,577
PNC Bank 4 5.84% $6,721
AMERISAVE MORTGAGE CORPORATION 4 6.06% $18,677
The Huntington National Bank 4 6.68% $8,228
Sierra Pacific Mortgage Company, Inc. 3 6.25% $17,629
Citizens Bank 3 5.83% $9,989
USAA Federal Savings Bank 3 6.67% $11,290
BNY Mellon 3 5.92% $4,890
Northpointe Bank 3 6.71% $5,611
NBKC BANK 3 6.13% $2,705
MOVEMENT MORTGAGE, LLC 3 7.10% $6,991
Paramount Residential Mortgage Group, Inc. 2 8.31% $9,073
BETTER MORTGAGE CORPORATION 2 5.81% $12,197
EMBRACE HOME LOANS, INC. 2 7.06% $6,768
Bell Bank 2 6.50% $4,347
AMERICAN FINANCING CORPORATION 2 6.50% $15,546
FREEDOM MORTGAGE CORPORATION 2 6.56% $15,498
Ixonia Bank 2 6.94% $6,977
Bank of England 2 6.31% $8,068
Mr. Cooper ( Nationstar Mortgage ) 2 6.81% $10,422
The Central Trust Bank 2 6.75% $11,155
Johnson Bank 2 6.48% $3,938
First Horizon Bank 2 5.88% $3,831
AXIA FINANCIAL, LLC 2 7.00% $4,559
CARDINAL FINANCIAL 2 6.38% $10,516
CALIBER HOME LOANS, INC. 2 5.93% $8,264
West Gate Bank 1 8.38% $4,610
Ally Bank 1 5.25% $15,164
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.00% $56,121
AmeriHome Mortgage Company, LLC 1 6.50% $4,084
Barrington Bank & Trust Company, N.A. 1 7.38% $4,084
BOKF 1 6.88% $8,713
BROKER SOLUTIONS, INC. 1 6.99% $8,724
Century Mortgage Company DBA Century Lending Company 1 7.13% $7,914
CHEVRON 1 6.63% $2,815
CIBC Bank USA 1 5.75% $8,886
City National Bank 1 6.25% $3,750
Commerce Bank 1 5.50% $5,586
COMPEER FINANCIAL, FLCA 1 7.38% $5,169
CRESCENT MORTGAGE COMPANY 1 6.38% $7,556
DEEPHAVEN MORTGAGE LLC 1 7.38% $11,860
Discover Bank 1 6.99% $0
DRAPER AND KRAMER MORTGAGE CORP. 1 7.13% $7,186
EVERETT FINANCIAL, INC. 1 7.00% $23,207
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 6.75% $10,352
F&A Federal Credit Union 1 6.25% $3,387
Farmers Bank & Trust 1 5.50% $3,557
Fidelity Bank 1 6.25% $8,195
First Bank 1 6.50% $4,624
First-Citizens Bank & Trust Company 1 6.38% $4,365
First Federal Bank 1 6.63% $4,684
First Republic Bank 1 5.30% $3,122
First Savings Bank 1 6.00% $12,562
First Western Trust Bank 1 6.88% $5,350
Goldman Sachs Bank USA 1 5.35% $8,537
HORIZON 1 7.00% $10,479
HSBC BANK USA, NATIONAL ASSOCIATION 1 7.17% $3,389
KELLER MORTGAGE, LLC 1 6.25% $3,706
LAKEVIEW LOAN SERVICING, LLC 1 7.38% $11,671
LENDSURE MORTGAGE CORP. 1 8.63% $36,386
MEGASTAR FINANCIAL CORP. 1 6.38% $10,637
NBH Bank 1 7.00% $2,592
Northwest Bank 1 5.50% $7,039
Northwest Farm Credit Services, FLCA 1 7.60% $8,661
OCMBC, INC. 1 9.00% $31,081
PACIFIC RESIDENTIAL MORTGAGE, LLC 1 6.38% $14,211
Plains Commerce Bank 1 6.25% $4,427
PLANET HOME LENDING, LLC 1 6.50% $6,769
PLAZA HOME MORTGAGE, INC. 1 8.13% $55,880
PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.88% $6,926
RANLIFE, INC. 1 5.99% $8,800
RELIANCE FIRST CAPITAL, LLC 1 6.88% $8,630
RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 6.38% $4,005
Servion, Inc. 1 6.38% $9,418
SIRVA MORTGAGE, INC. 1 6.00% $4,638
STAR ONE CREDIT UNION 1 5.88% $2,270
State Department Federal Credit Union 1 6.13% $5,422
SUN WEST MORTGAGE COMPANY, INC. 1 6.00% $17,402
THRIVENT Federal Credit Union 1 6.88% $3,059
TOWNE MORTGAGE COMPANY 1 7.88% $7,386
Truist 1 7.00% $7,477
21ST MORTGAGE CORPORATION 1 7.20% $5,986

Bozeman Average Closing Costs & Other Stats

Bozeman, MT's 121 lenders originated 2,085 loans during 2023. The total origination value was $1,164,895,000, with an average loan value of $558,703.

Bozeman's average closing costs are $6,281.

The top Bozeman lender as defined by loan originations is GUARANTEED RATE, INC., with 95 loans originated. Their average total fees are $5,897, which is $4,927 lower than the next largest lender, Stockman Bank of Montana.

The lowest fee Bozeman lenders (with over 10 loans originated) are Morgan Stanley Private Bank ($5,299), Wells Fargo Bank ($5,516), GUARANTEED RATE, INC. ($5,897), Flanagan State Bank ($6,435) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($8,065).

The lowest rate Bozeman lenders (with over 10 loans originated) are Morgan Stanley Private Bank (5.75%), Opportunity Bank of Montana (6.36%), Flagstar Bank, FSB (6.36%), JPMorgan Chase Bank (6.38%) and U.S. Bank (6.44%).

Bozeman, MT Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
Glacier Bank $246,695,000 $96,280,000 -61.0% 8.3%
Stockman Bank of Montana $131,960,000 $71,420,000 -45.9% 6.1%
GUARANTEED RATE, INC. $68,405,000 $63,975,000 -6.5% 5.5%
Citibank $75,990,000 $62,035,000 -18.4% 5.3%
U.S. Bank $106,825,000 $58,585,000 -45.2% 5.0%
Opportunity Bank of Montana $81,300,000 $54,875,000 -32.5% 4.7%
First Interstate Bank $143,940,000 $50,650,000 -64.8% 4.3%
UNITED WHOLESALE MORTGAGE, LLC $36,975,000 $40,640,000 9.9% 3.5%
CORNERSTONE HOME LENDING, INC. $60,255,000 $40,315,000 -33.1% 3.5%
CROSSCOUNTRY MORTGAGE, LLC $24,615,000 $33,395,000 35.7% 2.9%
JPMorgan Chase Bank $104,875,000 $31,925,000 -69.6% 2.7%
Morgan Stanley Private Bank $47,010,000 $28,890,000 -38.5% 2.5%
UBS Bank USA $21,440,000 $24,970,000 16.5% 2.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $48,910,000 $23,375,000 -52.2% 2.0%
GoPrime Mortgage, Inc. $44,685,000 $22,800,000 -49.0% 2.0%
First-Citizens Bank & Trust Company $22,690,000 n/a 1.9%
QUICKEN LOANS, LLC $42,510,000 $22,650,000 -46.7% 1.9%
AMERICAN PACIFIC MORTGAGE CORPORATION $37,285,000 $20,500,000 -45.0% 1.8%
PRIMELENDING, A PLAINSCAPITAL COMPANY $31,770,000 $19,790,000 -37.7% 1.7%
Bank of America $68,845,000 $16,585,000 -75.9% 1.4%
JONES LANG LASALLE MULTIFAMILY, LLC $15,005,000 n/a 1.3%
GUILD MORTGAGE COMPANY $3,915,000 $12,900,000 229.5% 1.1%
PENNYMAC LOAN SERVICES, LLC $9,510,000 $12,750,000 34.1% 1.1%
Flagstar Bank, FSB $25,110,000 $11,535,000 -54.1% 1.0%
Flanagan State Bank $15,055,000 $10,155,000 -32.5% 0.9%
CALCON MUTUAL MORTGAGE LLC $9,975,000 n/a 0.9%
Wells Fargo Bank $57,265,000 $8,820,000 -84.6% 0.8%
Raymond James Bank $15,970,000 $8,690,000 -45.6% 0.7%
PNC Bank $20,755,000 $8,590,000 -58.6% 0.7%
CMG MORTGAGE, INC. $14,890,000 $8,485,000 -43.0% 0.7%
Stifel Bank and Trust $15,560,000 $8,360,000 -46.3% 0.7%
Wintrust Bank, N.A. $8,125,000 n/a 0.7%
BMO Harris Bank $4,590,000 $6,640,000 44.7% 0.6%
MUTUAL OF OMAHA MORTGAGE, INC. $215,000 $6,525,000 2,934.9% 0.6%
HomeStreet Bank $6,005,000 n/a 0.5%
NAVY FEDERAL CREDIT UNION $2,090,000 $5,600,000 167.9% 0.5%
Charles Schwab Bank, SSB $15,220,000 $5,175,000 -66.0% 0.4%
Alerus Financial $5,005,000 n/a 0.4%
Mortgage Research Center, LLC $5,665,000 $4,715,000 -16.8% 0.4%
The Central Trust Bank $1,050,000 $4,310,000 310.5% 0.4%
LOANDEPOT.COM, LLC $17,250,000 $4,125,000 -76.1% 0.4%
Prosperity Home Mortgage, LLC $4,105,000 n/a 0.4%
CIBC Bank USA $5,085,000 $4,005,000 -21.2% 0.3%
MANN FINANCIAL INC. $5,945,000 $3,945,000 -33.6% 0.3%
Century Mortgage Company DBA Century Lending Company $1,055,000 $3,185,000 201.9% 0.3%
CHERRY CREEK MORTGAGE, LLC $14,305,000 $3,180,000 -77.8% 0.3%
American Mortgage & Equity Consultants, Inc. $2,840,000 n/a 0.2%
V.I.P. MORTGAGE, INC. $265,000 $2,835,000 969.8% 0.2%
The Huntington National Bank $2,035,000 $2,730,000 34.2% 0.2%
USAA Federal Savings Bank $1,630,000 $2,690,000 65.0% 0.2%
First Montana Bank, Inc. $2,005,000 $2,655,000 32.4% 0.2%
First Horizon Bank $805,000 $2,560,000 218.0% 0.2%
NEWREZ LLC $2,615,000 $2,540,000 -2.9% 0.2%
BNY Mellon $10,985,000 $2,515,000 -77.1% 0.2%
Bank of England $3,545,000 $2,495,000 -29.6% 0.2%
MOUNTAIN AMERICA $17,450,000 $2,430,000 -86.1% 0.2%
Renasant Bank $13,425,000 $2,365,000 -82.4% 0.2%
EVERETT FINANCIAL, INC. $1,235,000 $2,310,000 87.0% 0.2%
FREEDOM MORTGAGE CORPORATION $7,430,000 $2,305,000 -69.0% 0.2%
TrailWest Bank $560,000 $2,255,000 302.7% 0.2%
Northpointe Bank $1,120,000 $2,190,000 95.5% 0.2%
Goldman Sachs Bank USA $11,015,000 $2,105,000 -80.9% 0.2%
PLAZA HOME MORTGAGE, INC. $2,105,000 n/a 0.2%
First Republic Bank $80,270,000 $2,050,000 -97.4% 0.2%
Paramount Residential Mortgage Group, Inc. $14,275,000 $2,050,000 -85.6% 0.2%
Fidelity Bank $2,005,000 n/a 0.2%
St Charles Bank & Trust $2,005,000 n/a 0.2%
AMERISAVE MORTGAGE CORPORATION $9,705,000 $1,985,000 -79.5% 0.2%
Plains Commerce Bank $2,110,000 $1,950,000 -7.6% 0.2%
BLUE SKY BANK $1,915,000 n/a 0.2%
MOVEMENT MORTGAGE, LLC $1,315,000 $1,840,000 39.9% 0.2%
LENDSURE MORTGAGE CORP. $2,470,000 $1,770,000 -28.3% 0.2%
TENNESSEE VALLEY $1,745,000 n/a 0.1%
CALIBER HOME LOANS, INC. $14,150,000 $1,725,000 -87.8% 0.1%
TrustCo Bank $1,705,000 n/a 0.1%
CARDINAL FINANCIAL $495,000 $1,700,000 243.4% 0.1%
LIMA ONE CAPITAL, LLC $1,300,000 $1,640,000 26.2% 0.1%
AXIA FINANCIAL, LLC $475,000 $1,580,000 232.6% 0.1%
Sierra Pacific Mortgage Company, Inc. $1,185,000 $1,575,000 32.9% 0.1%
Hiawatha National Bank $1,535,000 n/a 0.1%
VALLEY FINANCIAL CREDIT UNION $1,505,000 $1,530,000 1.7% 0.1%
HORIZON $1,210,000 $1,485,000 22.7% 0.1%
NEXERA HOLDING LLC $1,400,000 n/a 0.1%
Citizens Bank $920,000 $1,395,000 51.6% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $1,385,000 n/a 0.1%
NBKC BANK $2,990,000 $1,375,000 -54.0% 0.1%
OCMBC, INC. $1,305,000 n/a 0.1%
Figure Lending LLC $1,350,000 $1,300,000 -3.7% 0.1%
North Shore Bank of Commerce $1,205,000 n/a 0.1%
The Park National Bank $1,205,000 n/a 0.1%
VELOCITY COMMERCIAL CAPITAL, LLC $1,195,000 n/a 0.1%
Mr. Cooper ( Nationstar Mortgage ) $6,150,000 $1,180,000 -80.8% 0.1%
AMERICAN FINANCING CORPORATION $2,015,000 $1,170,000 -41.9% 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $1,170,000 n/a 0.1%
Discover Bank $1,540,000 $1,095,000 -28.9% 0.1%
Farmers Bank & Trust $1,060,000 n/a 0.1%
Johnson Bank $1,060,000 n/a 0.1%
BETTER MORTGAGE CORPORATION $6,265,000 $1,040,000 -83.4% 0.1%
EMBRACE HOME LOANS, INC. $1,020,000 n/a 0.1%
Bell Bank $1,010,000 n/a 0.1%
CRESCENT MORTGAGE COMPANY $1,010,000 n/a 0.1%
First Savings Bank $375,000 $980,000 161.3% 0.1%
FINANCE OF AMERICA REVERSE LLC $3,970,000 $975,000 -75.4% 0.1%
GEORGIA'S OWN $875,000 $960,000 9.7% 0.1%
The Federal Savings Bank $1,645,000 $915,000 -44.4% 0.1%
PLANET HOME LENDING, LLC $2,120,000 $875,000 -58.7% 0.1%
First Federal Bank $860,000 n/a 0.1%
INTERCAP LENDING INC. $805,000 n/a 0.1%
Ixonia Bank $760,000 n/a 0.1%
ALLIANT CREDIT UNION $1,245,000 $745,000 -40.2% 0.1%
First Bank $725,000 n/a 0.1%
First Western Trust Bank $10,645,000 $725,000 -93.2% 0.1%
TOWNE MORTGAGE COMPANY $725,000 n/a 0.1%
SIRVA MORTGAGE, INC. $535,000 $715,000 33.6% 0.1%
Carrington Mortgage Services, LLC $695,000 n/a 0.1%
A&D Mortgage LLC $685,000 n/a 0.1%
BROKER SOLUTIONS, INC. $2,925,000 $655,000 -77.6% 0.1%
Commerce Bank $655,000 n/a 0.1%
F&A Federal Credit Union $625,000 n/a 0.1%
First International Bank & Trust $740,000 $625,000 -15.5% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $620,000 n/a 0.1%
NBH Bank $605,000 n/a 0.1%
COMPEER FINANCIAL, FLCA $595,000 n/a 0.1%
MEGASTAR FINANCIAL CORP. $1,605,000 $595,000 -62.9% 0.1%
PACIFIC RESIDENTIAL MORTGAGE, LLC $5,915,000 $585,000 -90.1% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $575,000 n/a 0.0%
BNC National Bank $1,565,000 $555,000 -64.5% 0.0%
ZILLOW HOME LOANS, LLC $510,000 $555,000 8.8% 0.0%
City National Bank $11,715,000 $545,000 -95.3% 0.0%
Northwest Farm Credit Services, FLCA $545,000 n/a 0.0%
Heritage Bank $535,000 n/a 0.0%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $535,000 n/a 0.0%
Bank of Utah $525,000 n/a 0.0%
Commerce Home Mortgage, Inc. $395,000 $525,000 32.9% 0.0%
NEW DAY FINANCIAL, LLC $725,000 $515,000 -29.0% 0.0%
KeyBank $10,735,000 $505,000 -95.3% 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $505,000 n/a 0.0%
LAKEVIEW LOAN SERVICING, LLC $2,885,000 $490,000 -83.0% 0.0%
Truist $7,075,000 $490,000 -93.1% 0.0%
Citizens Bank Minnesota $485,000 n/a 0.0%
DEEPHAVEN MORTGAGE LLC $465,000 n/a 0.0%
GTE Federal Credit Union $155,000 $465,000 200.0% 0.0%
Baxter Credit Union $460,000 n/a 0.0%
Northwest Bank $455,000 n/a 0.0%
Servion, Inc. $800,000 $455,000 -43.1% 0.0%
21ST MORTGAGE CORPORATION $330,000 $450,000 36.4% 0.0%
SPRING EQ, LLC $1,840,000 $440,000 -76.1% 0.0%
Magnolia Bank $435,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $1,645,000 $435,000 -73.6% 0.0%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $570,000 $405,000 -28.9% 0.0%
Washington County Bank $405,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $395,000 n/a 0.0%
SUN WEST MORTGAGE COMPANY, INC. $385,000 n/a 0.0%
State Department Federal Credit Union $245,000 $365,000 49.0% 0.0%
BOKF $5,205,000 $355,000 -93.2% 0.0%
STAR ONE CREDIT UNION $355,000 n/a 0.0%
ADVANCIAL $2,405,000 $345,000 -85.7% 0.0%
First New Mexico Bank, Las Cruces $335,000 n/a 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $325,000 n/a 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $325,000 n/a 0.0%
AMERICAN HERITAGE LENDING, INC. $315,000 n/a 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,420,000 $315,000 -77.8% 0.0%
Barrington Bank & Trust Company, N.A. $135,000 $315,000 133.3% 0.0%
LONGBRIDGE FINANCIAL, LLC $1,055,000 $315,000 -70.1% 0.0%
KELLER MORTGAGE, LLC $1,620,000 $305,000 -81.2% 0.0%
RANLIFE, INC. $305,000 n/a 0.0%
VERITAS FUNDING, LLC $285,000 $295,000 3.5% 0.0%
Ally Bank $11,065,000 $285,000 -97.4% 0.0%
AmeriHome Mortgage Company, LLC $275,000 n/a 0.0%
CHEVRON $415,000 $255,000 -38.6% 0.0%
Hometown Equity Mortgage, LLC $1,055,000 $255,000 -75.8% 0.0%
THRIVENT Federal Credit Union $255,000 n/a 0.0%
PHH Mortgage Corporation $2,635,000 $225,000 -91.5% 0.0%
USAlliance Federal Credit Union $175,000 n/a 0.0%
RELIANCE FIRST CAPITAL, LLC $155,000 n/a 0.0%
West Gate Bank $115,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $230,000 $85,000 -63.0% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $35,000 $65,000 85.7% 0.0%
Citizens Alliance Bank $510,000 $55,000 -89.2% 0.0%

Bozeman's top lender by overall market share is Glacier Bank, with 8.3% market share. In second place, with 6.1%, is Stockman Bank of Montana, having originated $71,420,000 in loans. In third place, with 5.5%, is GUARANTEED RATE, INC., having originated $63,975,000 in loans. In fourth place, with 5.3%, is Citibank, having originated $62,035,000 in loans. In fifth place, with 5.0%, is U.S. Bank, having originated $58,585,000 in loans.


Bozeman Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Bozeman (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $581,900 (-0.3%) $1,050,338 (-8.2%) 0.00 617
2018-02-01 $598,225 (1.1%) $1,029,678 (-10.7%) 0.00 598
2018-03-01 $612,500 (9.7%) $1,006,336 (-9.7%) 0.00 569
2018-04-01 $597,000 (-0.3%) $961,326 (-15.7%) 0.00 554
2018-05-01 $591,925 (-5.6%) $958,986 (-12.1%) 0.00 573
2018-06-01 $595,000 (0.5%) $972,574 (-5.0%) 0.00 663
2018-07-01 $554,500 (-6.8%) $933,980 (-10.9%) 0.00 741
2018-08-01 $534,463 (-6.9%) $907,720 (-11.3%) 0.00 754
2018-09-01 $499,000 (-16.1%) $887,255 (-15.0%) 0.00 758
2018-10-01 $485,750 (-19.0%) $877,310 (-17.5%) 0.00 744
2018-11-01 $492,450 (-13.4%) $918,089 (-11.5%) 0.00 682
2018-12-01 $499,900 (-13.4%) $959,959 (-7.3%) 0.00 654
2019-01-01 $549,250 (-5.6%) $1,069,816 (1.9%) 0.00 597
2019-02-01 $571,350 (-4.5%) $1,085,527 (5.4%) 0.00 561
2019-03-01 $585,100 (-4.5%) $1,096,955 (9.0%) 0.00 557
2019-04-01 $599,900 (0.5%) $1,097,650 (14.2%) 0.00 561
2019-05-01 $599,450 (1.3%) $1,054,601 (10.0%) 0.00 593
2019-06-01 $599,950 (0.8%) $1,046,135 (7.6%) 0.00 662
2019-07-01 $607,363 (9.5%) $1,063,479 (13.9%) 0.00 729
2019-08-01 $635,691 (18.9%) $1,082,346 (19.2%) 0.00 764
2019-09-01 $615,052 (23.3%) $1,076,289 (21.3%) 0.00 781
2019-10-01 $599,450 (23.4%) $1,079,393 (23.0%) 0.00 789
2019-11-01 $599,000 (21.6%) $1,103,537 (20.2%) 0.00 732
2019-12-01 $592,450 (18.5%) $1,131,483 (17.9%) 0.00 682
2020-01-01 $607,450 (10.6%) $1,220,964 (14.1%) 0.00 628
2020-02-01 $669,700 (17.2%) $1,270,150 (17.0%) 0.00 583
2020-03-01 $643,225 (9.9%) $1,229,442 (12.1%) 0.00 588
2020-04-01 $604,000 (0.7%) $1,200,537 (9.4%) 0.00 660
2020-05-01 $619,000 (3.3%) $1,221,338 (15.8%) 0.00 691
2020-06-01 $727,000 (21.2%) $1,331,907 (27.3%) 0.00 665
2020-07-01 $777,000 (27.9%) $1,416,029 (33.2%) 0.00 580
2020-08-01 $819,900 (29.0%) $1,481,117 (36.8%) 0.00 495
2020-09-01 $959,500 (56.0%) $1,685,507 (56.6%) 0.00 373
2020-10-01 $954,750 (59.3%) $1,741,304 (61.3%) 0.00 319
2020-11-01 $1,120,663 (87.1%) $1,934,802 (75.3%) 0.00 263
2020-12-01 $1,188,250 (100.6%) $2,039,610 (80.3%) 0.00 252
2021-01-01 $1,300,000 (114.0%) $2,237,352 (83.2%) 0.00 219
2021-02-01 $1,296,250 (93.6%) $2,329,144 (83.4%) 0.00 202
2021-03-01 $1,053,750 (63.8%) $2,158,491 (75.6%) 0.00 185
2021-04-01 $949,500 (57.2%) $2,037,895 (69.8%) 0.00 183
2021-05-01 $1,099,000 (77.5%) $2,067,993 (69.3%) 0.00 206
2021-06-01 $964,975 (32.7%) $1,880,699 (41.2%) 0.00 280
2021-07-01 $949,950 (22.3%) $1,883,053 (33.0%) 0.00 317
2021-08-01 $860,000 (4.9%) $1,799,526 (21.5%) 0.00 341
2021-09-01 $872,250 (-9.1%) $2,044,492 (21.3%) 0.00 334
2021-10-01 $950,000 (-0.5%) $2,121,536 (21.8%) 0.00 281
2021-11-01 $1,288,500 (15.0%) $2,734,004 (41.3%) 0.00 225
2021-12-01 $1,516,250 (27.6%) $2,994,937 (46.8%) 0.00 181
2022-01-01 $1,849,950 (42.3%) $3,312,909 (48.1%) 0.00 152
2022-02-01 $1,405,250 (8.4%) $2,972,632 (27.6%) 0.00 169
2022-03-01 $1,406,000 (33.4%) $2,648,782 (22.7%) 0.00 186
2022-04-01 $1,297,000 (36.6%) $2,233,404 (9.6%) 0.00 242
2022-05-01 $1,046,950 (-4.7%) $1,972,334 (-4.6%) 0.00 337
2022-06-01 $989,000 (2.5%) $1,858,815 (-1.2%) 0.00 456
2022-07-01 $999,997 (5.3%) $1,854,733 (-1.5%) 0.00 597
2022-08-01 $999,500 (16.2%) $1,826,157 (1.5%) 0.00 668
2022-09-01 $998,875 (14.5%) $1,849,016 (-9.6%) 0.00 648
2022-10-01 $979,900 (3.2%) $1,813,553 (-14.5%) 0.00 628
2022-11-01 $975,000 (-24.3%) $1,874,646 (-31.4%) 0.00 577
2022-12-01 $995,000 (-34.4%) $1,929,297 (-35.6%) 0.00 523
2023-01-01 $1,095,000 (-40.8%) $2,103,091 (-36.5%) 0.00 479
2023-02-01 $1,227,250 (-12.7%) $2,206,227 (-25.8%) 0.00 471
2023-03-01 $1,256,250 (-10.7%) $2,206,170 (-16.7%) 0.00 459
2023-04-01 $1,287,500 (-0.7%) $2,154,307 (-3.5%) 0.00 456
2023-05-01 $1,238,000 (18.3%) $2,118,535 (7.4%) 0.00 468
2023-06-01 $1,200,000 (21.3%) $2,059,543 (10.8%) 0.00 521
2023-07-01 $1,200,000 (20.0%) $2,201,506 (18.7%) 0.00 587
2023-08-01 $1,097,500 (9.8%) $2,118,420 (16.0%) 0.00 629
2023-09-01 $999,750 (0.1%) $2,152,457 (16.4%) 0.00 640
2023-10-01 $1,018,000 (3.9%) $2,116,451 (16.7%) 0.00 603
2023-11-01 $1,074,250 (10.2%) $2,225,737 (18.7%) 0.00 555
2023-12-01 $1,175,000 (18.1%) $2,354,857 (22.1%) 0.00 533
2024-01-01 $1,196,000 (9.2%) $2,478,024 (17.8%) 0.00 500
2024-02-01 $1,197,000 (-2.5%) $2,463,254 (11.7%) 0.00 501
2024-03-01 $1,099,000 (-12.5%) $2,388,520 (8.3%) 0.00 524
Bozeman's median listing price for 2024-03-01 was $1,099,000, a difference of $-157,250 (-12.5%) versus the prior year and $-98,000 versus the prior month.

Bozeman's median listing price comes in at 0% of the national average.

Bozeman's average listing price for 2024-03-01 was $2,388,520, a difference of $182,350 (8.3%) versus the prior year and $-74,734 versus the prior month.

For the 2024-03-01 period, Bozeman had 524 MLS listings, a difference of 23 listings (5%) versus the prior month and 65 listings (14%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Bozeman (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,353 sqft
2018-02-01 0 days 2,306 sqft
2018-03-01 0 days 2,349 sqft
2018-04-01 0 days 2,355 sqft
2018-05-01 0 days 2,405 sqft
2018-06-01 0 days 2,528 sqft
2018-07-01 0 days 2,546 sqft
2018-08-01 0 days 2,442 sqft
2018-09-01 0 days 2,310 sqft
2018-10-01 0 days 2,238 sqft
2018-11-01 0 days 2,289 sqft
2018-12-01 0 days 2,310 sqft
2019-01-01 0 days 2,314 sqft
2019-02-01 0 days 2,335 sqft
2019-03-01 0 days 2,354 sqft
2019-04-01 0 days 2,378 sqft
2019-05-01 0 days 2,346 sqft
2019-06-01 0 days 2,379 sqft
2019-07-01 0 days 2,382 sqft
2019-08-01 0 days 2,386 sqft
2019-09-01 0 days 2,334 sqft
2019-10-01 0 days 2,301 sqft
2019-11-01 0 days 2,285 sqft
2019-12-01 0 days 2,245 sqft
2020-01-01 0 days 2,236 sqft
2020-02-01 0 days 2,256 sqft
2020-03-01 0 days 2,255 sqft
2020-04-01 0 days 2,208 sqft
2020-05-01 0 days 2,237 sqft
2020-06-01 0 days 2,354 sqft
2020-07-01 0 days 2,433 sqft
2020-08-01 0 days 2,478 sqft
2020-09-01 0 days 2,526 sqft
2020-10-01 0 days 2,539 sqft
2020-11-01 0 days 2,540 sqft
2020-12-01 0 days 2,503 sqft
2021-01-01 0 days 2,586 sqft
2021-02-01 0 days 2,698 sqft
2021-03-01 0 days 2,735 sqft
2021-04-01 0 days 2,695 sqft
2021-05-01 0 days 2,773 sqft
2021-06-01 0 days 2,591 sqft
2021-07-01 0 days 2,525 sqft
2021-08-01 0 days 2,370 sqft
2021-09-01 0 days 2,381 sqft
2021-10-01 0 days 2,428 sqft
2021-11-01 0 days 2,861 sqft
2021-12-01 0 days 2,998 sqft
2022-01-01 0 days 3,087 sqft
2022-02-01 0 days 2,567 sqft
2022-03-01 0 days 2,429 sqft
2022-04-01 0 days 2,139 sqft
2022-05-01 0 days 2,243 sqft
2022-06-01 0 days 2,226 sqft
2022-07-01 0 days 2,301 sqft
2022-08-01 0 days 2,272 sqft
2022-09-01 0 days 2,343 sqft
2022-10-01 0 days 2,376 sqft
2022-11-01 0 days 2,350 sqft
2022-12-01 0 days 2,389 sqft
2023-01-01 0 days 2,402 sqft
2023-02-01 0 days 2,374 sqft
2023-03-01 0 days 2,400 sqft
2023-04-01 0 days 2,346 sqft
2023-05-01 0 days 2,352 sqft
2023-06-01 0 days 2,383 sqft
2023-07-01 0 days 2,440 sqft
2023-08-01 0 days 2,390 sqft
2023-09-01 0 days 2,345 sqft
2023-10-01 0 days 2,316 sqft
2023-11-01 0 days 2,198 sqft
2023-12-01 0 days 2,176 sqft
2024-01-01 0 days 2,148 sqft
2024-02-01 0 days 2,102 sqft
2024-03-01 0 days 2,065 sqft
Bozeman's median listing age (time on market) for 2024-03-01 was 0 days.

Bozeman's median square footage for active listings during the 2024-03-01 period was 2,065 sqft. One year prior, the average listing was 2,400 sqft.

Bozeman, MT Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,345 $875,205,000 $650,710
Home Improvement 236 $36,070,000 $152,839
Cash Out Refi 187 $81,995,000 $438,476
Other 172 $73,820,000 $429,186
Refi 145 $97,805,000 $674,517

Bozeman's most frequently cited loan purpose was Home Purchase, with 1,345 originations. The 2nd most popular reason was Home Improvement, with 236 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 696 $422,940,000 $607,672
7-8% 492 $282,860,000 $574,919
Over 8% 466 $137,570,000 $295,215
5-6% 367 $265,655,000 $723,856
4-5% 28 $31,180,000 $1,113,571
2.5-3% 11 $2,545,000 $231,364
3-4% 5 $1,905,000 $381,000
<2.5% 2 $260,000 $130,000

During 2023, Bozeman's most frequently originated rate bucket was 6-7%, with 696 originations.

Loan Sizing (Bozeman, MT MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 578 $175,280,000 $303,253
$400k-600k 523 $254,895,000 $487,371
$600k-1000k 319 $232,695,000 $729,451
$100,000 or less 259 $14,855,000 $57,355
$100k-200k 228 $31,270,000 $137,149
$Over $1MM 178 $455,900,000 $2,561,236

Bozeman's loan sizing saw the bucket of loans from $200k-400k with 578 originations, totaling $175,280,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 520 $436,700,000 $839,808
80-100% 467 $278,745,000 $596,884
Under 20% 440 $55,140,000 $125,318
40-60% 335 $230,025,000 $686,642
20-40% 279 $104,285,000 $373,781
Over 100% 20 $13,010,000 $650,500

Bozeman's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 520 originations, totaling $436,700,000 in origination value.