Bozeman Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Bozeman averaged
5.8%
for the week of 2022-06-30, compared to the national average of
5.7% for the same period.
The average rate for the prior week (2022-06-23) was
6.11% and
one month ago for the week of 2022-05-26, the
average rate was 5.2%.
Bozeman's average rate one year ago was 3.23%.
For refis of the same type during the week of 2022-06-30, the average rate
was 5.94%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-06-30 | 5.7% |
| Bozeman 30 Year Fixed Rate | 2022-06-30 | 5.8% |
| Bozeman 30 Year Fixed Rate Refi | 2022-06-30 | 5.94% |
| Bozeman 15 Year Fixed Rate | 2022-06-30 | 5.58% |
| Bozeman 15 Year Fixed Rate Refi | 2022-06-30 | 5.25% |
| Bozeman 30 Year FHA | 2022-06-30 | 5.48% |
| Bozeman 30 Year FHA Refi | 2022-06-30 | 5.59% |
| Bozeman 30 Year USDA | 2022-06-30 | 5.76% |
| Bozeman 30 Year USDA Refi | 2022-06-30 | 5.57% |
| Bozeman 30 Year VA | 2022-06-30 | 5.82% |
| Bozeman 30 Year VA Refi | 2022-06-30 | 5.42% |
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 lendor, 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.).
Bozeman, MT's 208 lenders originated 7,197
loans during 2021. The total origination value was $3,167,225,000, with an average loan value of
$440,076.
The top Bozeman lender as defined by loan originations is Stockman Bank of Montana, with
430 loans originated. Their average total fees are
$7,813, which is $2,543
higher than the next largest lender,
CORNERSTONE HOME LENDING, INC..
The lowest fee Bozeman lenders (with over 10 loans originated) are
CHERRY CREEK MORTGAGE, LLC ($1,141), FirstBank ($2,143), Wyndham Capital Mortgage, Inc. ($2,274), Cf Bank ($2,299) and FREEDOM MORTGAGE CORPORATION ($2,523).
The lowest rate Bozeman lenders (with over 10 loans originated) are
Charles Schwab Bank, SSB (2.39%), Ally Bank (2.65%), BETTER MORTGAGE CORPORATION (2.73%), Morgan Stanley Private Bank (2.74%) and Stifel Bank and Trust (2.75%).
Bozeman, MT Lender 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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| Glacier Bank | $301,080,000 | $255,850,000 | -15.0% | 8.1% |
| Stockman Bank of Montana | $292,870,000 | $248,415,000 | -15.2% | 7.8% |
| Wells Fargo Bank | $190,125,000 | $223,205,000 | 17.4% | 7.0% |
| Opportunity Bank of Montana | $139,705,000 | $180,400,000 | 29.1% | 5.7% |
| CORNERSTONE HOME LENDING, INC. | $191,900,000 | $155,770,000 | -18.8% | 4.9% |
| U.S. Bank | $78,200,000 | $127,585,000 | 63.2% | 4.0% |
| QUICKEN LOANS, LLC | $115,545,000 | $118,160,000 | 2.3% | 3.7% |
| GoPrime Mortgage, Inc. | $116,025,000 | $111,380,000 | -4.0% | 3.5% |
| First Interstate Bank | $123,335,000 | $108,540,000 | -12.0% | 3.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $77,115,000 | $85,425,000 | 10.8% | 2.7% |
| JPMorgan Chase Bank | $45,400,000 | $81,035,000 | 78.5% | 2.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $134,440,000 | $77,885,000 | -42.1% | 2.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $31,305,000 | $70,905,000 | 126.5% | 2.2% |
| First Republic Bank | $42,030,000 | $64,540,000 | 53.6% | 2.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | $61,915,000 | n/a | 2.0% | |
| Hometown Lenders, Inc. | $3,020,000 | $60,290,000 | 1,896.4% | 1.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $56,040,000 | $59,590,000 | 6.3% | 1.9% |
| Flagstar Bank, FSB | $26,280,000 | $49,690,000 | 89.1% | 1.6% |
| Bank of America | $36,475,000 | $46,630,000 | 27.8% | 1.5% |
| Morgan Stanley Private Bank | $16,045,000 | $46,235,000 | 188.2% | 1.5% |
| GUARANTEED RATE, INC. | $4,860,000 | $46,230,000 | 851.2% | 1.5% |
| BETTER MORTGAGE CORPORATION | $21,730,000 | $41,355,000 | 90.3% | 1.3% |
| LOANDEPOT.COM, LLC | $21,965,000 | $38,590,000 | 75.7% | 1.2% |
| PNC Bank | $4,740,000 | $35,870,000 | 656.8% | 1.1% |
| Paramount Residential Mortgage Group, Inc. | $28,220,000 | $33,265,000 | 17.9% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $11,805,000 | $32,270,000 | 173.4% | 1.0% |
| FREEDOM MORTGAGE CORPORATION | $45,965,000 | $32,110,000 | -30.1% | 1.0% |
| AMERISAVE MORTGAGE CORPORATION | $21,105,000 | $30,760,000 | 45.7% | 1.0% |
| Citibank | $26,560,000 | $26,645,000 | 0.3% | 0.8% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $26,465,000 | $23,830,000 | -10.0% | 0.8% |
| CHERRY CREEK MORTGAGE, LLC | $22,305,000 | $23,680,000 | 6.2% | 0.7% |
| Stifel Bank and Trust | $17,915,000 | $18,005,000 | 0.5% | 0.6% |
| Charles Schwab Bank, SSB | $11,525,000 | $16,765,000 | 45.5% | 0.5% |
| Renasant Bank | $9,875,000 | $16,320,000 | 65.3% | 0.5% |
| UBS Bank USA | $20,530,000 | $14,895,000 | -27.4% | 0.5% |
| CALIBER HOME LOANS, INC. | $2,420,000 | $14,665,000 | 506.0% | 0.5% |
| Bank of England | $10,020,000 | $14,630,000 | 46.0% | 0.5% |
| Mortgage Research Center, LLC | $11,760,000 | $13,870,000 | 17.9% | 0.4% |
| Flanagan State Bank | $14,185,000 | $12,730,000 | -10.3% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $8,045,000 | $12,555,000 | 56.1% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $6,065,000 | $12,325,000 | 103.2% | 0.4% |
| Ally Bank | $3,260,000 | $12,235,000 | 275.3% | 0.4% |
| CMG MORTGAGE, INC. | $28,125,000 | $11,815,000 | -58.0% | 0.4% |
| NBKC BANK | $10,030,000 | $10,640,000 | 6.1% | 0.3% |
| Truist Bank | $3,000,000 | $10,545,000 | 251.5% | 0.3% |
| NEWREZ LLC | $6,285,000 | $10,140,000 | 61.3% | 0.3% |
| First Merchants Bank | $1,005,000 | $9,445,000 | 839.8% | 0.3% |
| Goldman Sachs Bank USA | $3,310,000 | $9,430,000 | 184.9% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $11,985,000 | $9,140,000 | -23.7% | 0.3% |
| Wyndham Capital Mortgage, Inc. | $4,060,000 | $8,205,000 | 102.1% | 0.3% |
| USAA Federal Savings Bank | $17,000,000 | $7,405,000 | -56.4% | 0.2% |
| The Huntington National Bank | $815,000 | $7,390,000 | 806.7% | 0.2% |
| BROKER SOLUTIONS, INC. | $7,560,000 | $6,510,000 | -13.9% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $1,450,000 | $6,430,000 | 343.4% | 0.2% |
| HOME POINT FINANCIAL CORPORATION | $2,995,000 | $5,960,000 | 99.0% | 0.2% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $725,000 | $5,445,000 | 651.0% | 0.2% |
| Cf Bank | $1,655,000 | $5,355,000 | 223.6% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $9,025,000 | $5,310,000 | -41.2% | 0.2% |
| REVERSE MORTGAGE FUNDING LLC | $2,160,000 | $5,195,000 | 140.5% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $2,000,000 | $4,905,000 | 145.3% | 0.2% |
| FirstBank | $9,275,000 | $4,900,000 | -47.2% | 0.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $5,030,000 | $4,770,000 | -5.2% | 0.2% |
| GREYSTONE SERVICING COMPANY LLC | $9,305,000 | $4,765,000 | -48.8% | 0.2% |
| PLANET HOME LENDING, LLC | $3,515,000 | $4,630,000 | 31.7% | 0.1% |
| BOKF | $795,000 | $4,550,000 | 472.3% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $11,145,000 | $4,355,000 | -60.9% | 0.1% |
| MANN FINANCIAL INC. | $5,305,000 | $4,330,000 | -18.4% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $3,030,000 | $4,320,000 | 42.6% | 0.1% |
| City National Bank | $2,765,000 | $4,215,000 | 52.4% | 0.1% |
| GUILD MORTGAGE COMPANY | $5,510,000 | $4,130,000 | -25.0% | 0.1% |
| CRESCENT MORTGAGE COMPANY | $355,000 | $3,960,000 | 1,015.5% | 0.1% |
| The Northern Trust Company | $2,105,000 | $3,840,000 | 82.4% | 0.1% |
| FINANCE OF AMERICA MORTGAGE LLC | $5,755,000 | $3,390,000 | -41.1% | 0.1% |
| OCMBC, INC. | $3,010,000 | $3,385,000 | 12.5% | 0.1% |
| AMERICAN FINANCING CORPORATION | $3,425,000 | $3,360,000 | -1.9% | 0.1% |
| MOUNTAIN AMERICA | $275,000 | $3,340,000 | 1,114.5% | 0.1% |
| ROYAL FINANCIAL, INC. | $3,325,000 | n/a | 0.1% | |
| KELLER MORTGAGE, LLC | $6,500,000 | $3,215,000 | -50.5% | 0.1% |
| Bremer Bank | $730,000 | $3,185,000 | 336.3% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $1,135,000 | $3,180,000 | 180.2% | 0.1% |
| Axos Bank | $2,015,000 | $3,130,000 | 55.3% | 0.1% |
| Peoples National Bank , N.A. | $715,000 | $3,090,000 | 332.2% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $3,035,000 | n/a | 0.1% | |
| Guaranty Bank & Trust, N.A. | $3,005,000 | n/a | 0.1% | |
| First Horizon Bank | $2,955,000 | n/a | 0.1% | |
| CIBC Bank USA | $1,815,000 | $2,855,000 | 57.3% | 0.1% |
| KeyBank | $3,380,000 | $2,790,000 | -17.5% | 0.1% |
| CANOPY MORTGAGE, LLC | $2,780,000 | n/a | 0.1% | |
| LENDUS, LLC | $2,350,000 | $2,735,000 | 16.4% | 0.1% |
| HOMESTEAD FUNDING CORP. | $700,000 | $2,705,000 | 286.4% | 0.1% |
| Plains Commerce Bank | $2,645,000 | $2,670,000 | 0.9% | 0.1% |
| First Guaranty Mortgage Corporation | $2,650,000 | n/a | 0.1% | |
| Texana Bank | $515,000 | $2,635,000 | 411.7% | 0.1% |
| UMB Bank | $2,630,000 | n/a | 0.1% | |
| DELMAR FINANCIAL COMPANY | $1,270,000 | $2,620,000 | 106.3% | 0.1% |
| WesBanco Bank, Inc. | $2,585,000 | n/a | 0.1% | |
| MidFirst Bank | $365,000 | $2,580,000 | 606.8% | 0.1% |
| NEW DAY FINANCIAL, LLC | $2,700,000 | $2,570,000 | -4.8% | 0.1% |
| KS StateBank | $1,750,000 | $2,340,000 | 33.7% | 0.1% |
| First Montana Bank, Inc. | $2,790,000 | $2,230,000 | -20.1% | 0.1% |
| Altana Federal Credit Union | $305,000 | $2,180,000 | 614.8% | 0.1% |
| Nations Lending Corporation | $3,780,000 | $2,145,000 | -43.3% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $2,870,000 | $2,130,000 | -25.8% | 0.1% |
| Carrington Mortgage Services, LLC | $1,640,000 | $2,115,000 | 29.0% | 0.1% |
| First Western Trust Bank | $1,200,000 | $2,115,000 | 76.3% | 0.1% |
| Willamette Valley Bank | $2,065,000 | $2,075,000 | 0.5% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,795,000 | $2,020,000 | 12.5% | 0.1% |
| FUNDLOANS CAPITAL | $565,000 | $2,020,000 | 257.5% | 0.1% |
| JONES LANG LASALLE MULTIFAMILY, LLC | $2,005,000 | n/a | 0.1% | |
| CELEBRITY HOME LOANS, LLC | $1,925,000 | n/a | 0.1% | |
| Rocky Mountain Bank | $1,915,000 | n/a | 0.1% | |
| STEARNS LENDING, LLC | $4,385,000 | $1,910,000 | -56.4% | 0.1% |
| Gate City Bank | $570,000 | $1,880,000 | 229.8% | 0.1% |
| BAY EQUITY LLC | $2,325,000 | $1,805,000 | -22.4% | 0.1% |
| Manufacturers and Traders Trust Company | $1,795,000 | n/a | 0.1% | |
| BMO Harris Bank | $5,720,000 | $1,785,000 | -68.8% | 0.1% |
| ALLIANT CREDIT UNION | $2,975,000 | $1,780,000 | -40.2% | 0.1% |
| EVANSVILLE TEACHERS | $1,765,000 | n/a | 0.1% | |
| Strong Home Mortgage, LLC | $1,760,000 | n/a | 0.1% | |
| TIAA, FSB | $4,665,000 | $1,740,000 | -62.7% | 0.1% |
| TrailWest Bank | $505,000 | $1,725,000 | 241.6% | 0.1% |
| Umpqua Bank | $445,000 | $1,675,000 | 276.4% | 0.1% |
| North American Savings Bank, F.S.B. | $5,185,000 | $1,605,000 | -69.0% | 0.1% |
| Visio Financial Services Inc. | $1,590,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $550,000 | $1,575,000 | 186.4% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $810,000 | $1,555,000 | 92.0% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $375,000 | $1,500,000 | 300.0% | 0.0% |
| VALLEY FINANCIAL CREDIT UNION | $1,430,000 | $1,480,000 | 3.5% | 0.0% |
| ZILLOW HOME LOANS, LLC | $1,440,000 | n/a | 0.0% | |
| SOFI LENDING CORP. | $1,575,000 | $1,360,000 | -13.7% | 0.0% |
| Silicon Valley Bank | $1,305,000 | n/a | 0.0% | |
| ENVOY MORTGAGE, LTD | $295,000 | $1,290,000 | 337.3% | 0.0% |
| WINGS FINANCIAL | $535,000 | $1,275,000 | 138.3% | 0.0% |
| Bell Bank | $395,000 | $1,220,000 | 208.9% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,205,000 | n/a | 0.0% | |
| MEGASTAR FINANCIAL CORP. | $1,545,000 | $1,205,000 | -22.0% | 0.0% |
| Citizens Bank | $10,815,000 | $1,195,000 | -89.0% | 0.0% |
| CLEARPATH LENDING | $3,785,000 | $1,175,000 | -69.0% | 0.0% |
| The Federal Savings Bank | $4,020,000 | $1,170,000 | -70.9% | 0.0% |
| PHH Mortgage Corporation | $850,000 | $1,165,000 | 37.1% | 0.0% |
| ACADEMY MORTGAGE CORPORATION | $275,000 | $1,145,000 | 316.4% | 0.0% |
| Bank of Springfield | $225,000 | $1,135,000 | 404.4% | 0.0% |
| KINECTA | $1,115,000 | n/a | 0.0% | |
| AMERICAN ADVISORS GROUP | $1,045,000 | $1,105,000 | 5.7% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $345,000 | $1,105,000 | 220.3% | 0.0% |
| Waterstone Mortgage Corporation | $1,090,000 | n/a | 0.0% | |
| Alaska USA Federal Credit Union | $1,690,000 | $1,060,000 | -37.3% | 0.0% |
| NBH Bank | $1,000,000 | $1,050,000 | 5.0% | 0.0% |
| The First National Bank of McGregor | $1,040,000 | n/a | 0.0% | |
| Pinnacle Bank | $225,000 | $1,010,000 | 348.9% | 0.0% |
| BNY Mellon | $1,020,000 | $1,005,000 | -1.5% | 0.0% |
| Gateway First Bank | $1,000,000 | n/a | 0.0% | |
| IDAHO CENTRAL | $760,000 | $980,000 | 28.9% | 0.0% |
| LENDSURE MORTGAGE CORP. | $940,000 | n/a | 0.0% | |
| Arvest Bank | $115,000 | $925,000 | 704.3% | 0.0% |
| Evolve Bank & Trust | $925,000 | n/a | 0.0% | |
| SOVEREIGN LENDING GROUP INCORPORATED | $1,310,000 | $895,000 | -31.7% | 0.0% |
| Figure Lending LLC | $150,000 | $880,000 | 486.7% | 0.0% |
| First International Bank & Trust | $540,000 | $880,000 | 63.0% | 0.0% |
| UNIVERSITY CREDIT UNION | $875,000 | n/a | 0.0% | |
| Amerifirst Financial, Inc. | $740,000 | $870,000 | 17.6% | 0.0% |
| GEORGIA'S OWN | $855,000 | n/a | 0.0% | |
| Midwest Community Bank | $850,000 | n/a | 0.0% | |
| JMJ FINANCIAL GROUP | $845,000 | n/a | 0.0% | |
| Paramount Bank | $850,000 | $830,000 | -2.4% | 0.0% |
| SUMMIT FUNDING, INC. | $820,000 | n/a | 0.0% | |
| UNIVERSAL LENDING CORPORATION | $835,000 | $815,000 | -2.4% | 0.0% |
| Zions Bancorporation, N.A. | $1,430,000 | $815,000 | -43.0% | 0.0% |
| TIB The Independent Bankersbank | $1,370,000 | $800,000 | -41.6% | 0.0% |
| SIRVA MORTGAGE, INC. | $195,000 | $780,000 | 300.0% | 0.0% |
| DRAPER AND KRAMER MORTGAGE CORP. | $590,000 | $775,000 | 31.4% | 0.0% |
| Citizens Alliance Bank | $305,000 | $770,000 | 152.5% | 0.0% |
| Northwest Farm Credit Services, FLCA | $5,175,000 | $770,000 | -85.1% | 0.0% |
| Servion, Inc. | $975,000 | $770,000 | -21.0% | 0.0% |
| Baxter Credit Union | $985,000 | $765,000 | -22.3% | 0.0% |
| NFM, INC. | $665,000 | $740,000 | 11.3% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $710,000 | n/a | 0.0% | |
| The Central Trust Bank | $710,000 | n/a | 0.0% | |
| ARC HOME LLC | $915,000 | $705,000 | -23.0% | 0.0% |
| BNC National Bank | $985,000 | $700,000 | -28.9% | 0.0% |
| Equity Prime Mortgage LLC | $690,000 | n/a | 0.0% | |
| AMCAP MORTGAGE, LTD. | $390,000 | $670,000 | 71.8% | 0.0% |
| Washington Trust Bank | $665,000 | n/a | 0.0% | |
| Discover Bank | $665,000 | $660,000 | -0.8% | 0.0% |
| Florida Capital Bank | $255,000 | $660,000 | 158.8% | 0.0% |
| Cache Valley Bank | $640,000 | n/a | 0.0% | |
| Northpointe Bank | $1,750,000 | $640,000 | -63.4% | 0.0% |
| Santander Bank, N.A. | $630,000 | n/a | 0.0% | |
| Raymond James Bank | $755,000 | $605,000 | -19.9% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,350,000 | $595,000 | -55.9% | 0.0% |
| Colonial Savings, F.A. | $950,000 | $590,000 | -37.9% | 0.0% |
| Deere Employees Credit Union | $1,135,000 | $580,000 | -48.9% | 0.0% |
| IMPAC MORTGAGE CORP. | $345,000 | $560,000 | 62.3% | 0.0% |
| S1L, Inc. | $515,000 | $560,000 | 8.7% | 0.0% |
| Frontier Bank | $555,000 | n/a | 0.0% | |
| American State Bank | $265,000 | $550,000 | 107.5% | 0.0% |
| Inwood National Bank | $195,000 | $545,000 | 179.5% | 0.0% |
| Citizens Community Federal | $535,000 | n/a | 0.0% | |
| Fifth Third Bank | $535,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $505,000 | n/a | 0.0% | |
| First Home Bank | $440,000 | $505,000 | 14.8% | 0.0% |
| The Canandaigua National Bank and Trust Company | $505,000 | n/a | 0.0% | |
| Bank of Colorado | $500,000 | n/a | 0.0% | |
| Financial Federal Bank | $495,000 | n/a | 0.0% | |
| InterContinental Capital Group, Inc | $635,000 | $495,000 | -22.0% | 0.0% |
| Low VA Rates, LLC | $1,740,000 | $495,000 | -71.6% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $495,000 | n/a | 0.0% | |
| Crestline Funding Corporation | $485,000 | n/a | 0.0% | |
| ADVANTAGE PLUS | $465,000 | n/a | 0.0% | |
| Prosperity Home Mortgage, LLC | $465,000 | n/a | 0.0% | |
| 1st Security Bank of Washington | $455,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $1,195,000 | $455,000 | -61.9% | 0.0% |
| Reliabank Dakota | $445,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $440,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $435,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $425,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $355,000 | $425,000 | 19.7% | 0.0% |
| Bankers Trust Company | $415,000 | n/a | 0.0% | |
| HSBC BANK USA, NATIONAL ASSOCIATION | $415,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $415,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $405,000 | n/a | 0.0% | |
| First Internet Bank of Indiana | $1,075,000 | $405,000 | -62.3% | 0.0% |
| STAR ONE CREDIT UNION | $400,000 | n/a | 0.0% | |
| D. L. Evans Bank | $195,000 | $395,000 | 102.6% | 0.0% |
| Farmers Bank & Trust | $485,000 | $395,000 | -18.6% | 0.0% |
| HORIZON | $255,000 | $395,000 | 54.9% | 0.0% |
| Lend Smart Mortgage, LLC | $245,000 | $385,000 | 57.1% | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $385,000 | n/a | 0.0% | |
| LENDERFI, INC. | $700,000 | $375,000 | -46.4% | 0.0% |
| City Bank | $365,000 | n/a | 0.0% | |
| The Union Bank Company | $365,000 | n/a | 0.0% | |
| Alliance Bank | $355,000 | n/a | 0.0% | |
| The Port Washington State Bank | $355,000 | n/a | 0.0% | |
| United Community Bank | $355,000 | n/a | 0.0% | |
| Great Western Bank | $345,000 | n/a | 0.0% | |
| Pioneer Bank & Trust | $345,000 | n/a | 0.0% | |
| ACCELERATE MORTGAGE, LLC | $355,000 | $335,000 | -5.6% | 0.0% |
| HOMESTAR FINANCIAL CORPORATION | $335,000 | n/a | 0.0% | |
| Commerce Bank | $535,000 | $325,000 | -39.3% | 0.0% |
| Cumberland Valley National Bank & Trust Company | $325,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $325,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $315,000 | $305,000 | -3.2% | 0.0% |
| TCF National Bank | $205,000 | $305,000 | 48.8% | 0.0% |
| First United Bank and Trust Company | $435,000 | $295,000 | -32.2% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $285,000 | n/a | 0.0% | |
| Stock Yards Bank & Trust Company | $395,000 | $285,000 | -27.8% | 0.0% |
| First Federal Bank | $305,000 | $275,000 | -9.8% | 0.0% |
| First State Bank and Trust | $275,000 | n/a | 0.0% | |
| Landmark National Bank | $265,000 | n/a | 0.0% | |
| Ixonia Bank | $255,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $4,630,000 | $255,000 | -94.5% | 0.0% |
| RESIDENTIAL BANCORP. | $245,000 | n/a | 0.0% | |
| Bank of Utah | $235,000 | n/a | 0.0% | |
| Dacotah Bank | $255,000 | $235,000 | -7.8% | 0.0% |
| PURDUE FEDERAL CREDIT UNION | $235,000 | n/a | 0.0% | |
| VILLAGE CAPITAL & INVESTMENT LLC | $885,000 | $235,000 | -73.4% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $375,000 | $225,000 | -40.0% | 0.0% |
| Northwest Federal Credit Union | $505,000 | $225,000 | -55.4% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $200,000 | $215,000 | 7.5% | 0.0% |
| SPRING EQ, LLC | $200,000 | $205,000 | 2.5% | 0.0% |
| 21ST MORTGAGE CORPORATION | $255,000 | $185,000 | -27.5% | 0.0% |
| SPOKANE TEACHERS | $165,000 | n/a | 0.0% | |
| BEEHIVE | $155,000 | n/a | 0.0% | |
| First American Bank | $155,000 | n/a | 0.0% | |
| CHEVRON | $265,000 | $115,000 | -56.6% | 0.0% |
| Sunflower Bank | $1,665,000 | $105,000 | -93.7% | 0.0% |
| EMBARK | $75,000 | n/a | 0.0% | |
| BANKWEST, INC. | $45,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $25,000 | n/a | 0.0% |
Bozeman's top lender by overall market share is Glacier Bank, with 8.1% market share. In second place, with 7.8%, is Stockman Bank of Montana, having originated $248,415,000 in loans. In third place, with 7.0%, is Wells Fargo Bank, having originated $223,205,000 in loans. In third place, with 5.7%, is Opportunity Bank of Montana, having originated $180,400,000 in loans. In third place, with 4.9%, is CORNERSTONE HOME LENDING, INC., having originated $155,770,000 in loans.
Bozeman, MT Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,632 | $1,511,390,000 | $574,236 |
| Refi | 2,313 | $817,715,000 | $353,530 |
| Cash Out Refi | 1,712 | $677,240,000 | $395,584 |
| Other | 287 | $117,115,000 | $408,066 |
| Home Improvement | 253 | $43,765,000 | $172,984 |
Bozeman's most frequently cited loan purpose was Home Purchase, with 2,632 originations. The 2nd most popular reason was Refi, with 2,313 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 2,887 | $1,235,525,000 | $427,962 |
| 2.5-3% | 2,807 | $1,202,065,000 | $428,238 |
| <2.5% | 966 | $522,600,000 | $540,994 |
| 4-5% | 452 | $181,460,000 | $401,460 |
| 5-6% | 38 | $12,210,000 | $321,316 |
| Over 8% | 13 | $1,105,000 | $85,000 |
| 6-7% | 10 | $1,460,000 | $146,000 |
| 7-8% | 6 | $370,000 | $61,667 |
During 2021, Bozeman's most frequently originated rate bucket was 3-4%, with 2,887 originations.
Loan Sizing (Bozeman, MT MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 3,309 | $991,775,000 | $299,720 |
| $400k-600k | 1,940 | $941,220,000 | $485,165 |
| $100k-200k | 851 | $131,945,000 | $155,047 |
| $600k-1000k | 487 | $364,965,000 | $749,415 |
| $100,000 or less | 319 | $19,305,000 | $60,517 |
| $Over $1MM | 291 | $718,015,000 | $2,467,405 |
Bozeman's loan sizing saw the bucket of loans from $200k-400k with 3,309 originations, totaling $991,775,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 2,419 | $1,317,715,000 | $544,735 |
| 40-60% | 1,807 | $754,895,000 | $417,761 |
| 80-100% | 1,307 | $662,035,000 | $506,530 |
| 20-40% | 1,025 | $305,455,000 | $298,005 |
| Under 20% | 458 | $56,150,000 | $122,598 |
| Over 100% | 27 | $14,675,000 | $543,519 |
Bozeman's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 2,419 originations, totaling $1,317,715,000 in origination value.
Market Conditions (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 | $489,450 (2.2%) | $874,898 (-3.0%) | 0.00 | 436 |
| 2018-02-01 | $479,700 (-3.9%) | $832,276 (-8.4%) | 0.00 | 408 |
| 2018-03-01 | $449,000 (-10.2%) | $780,765 (-11.8%) | 0.00 | 402 |
| 2018-04-01 | $467,000 (-11.1%) | $768,913 (-16.4%) | 0.00 | 404 |
| 2018-05-01 | $524,750 (-4.9%) | $785,412 (-14.7%) | 0.00 | 439 |
| 2018-06-01 | $529,900 (-3.6%) | $783,440 (-10.2%) | 0.00 | 520 |
| 2018-07-01 | $499,450 (-7.3%) | $751,948 (-15.4%) | 0.00 | 611 |
| 2018-08-01 | $487,000 (-5.8%) | $741,289 (-14.6%) | 0.00 | 637 |
| 2018-09-01 | $464,900 (-12.3%) | $728,199 (-17.4%) | 0.00 | 640 |
| 2018-10-01 | $449,725 (-18.2%) | $703,137 (-21.7%) | 0.00 | 641 |
| 2018-11-01 | $451,400 (-11.8%) | $730,747 (-16.5%) | 0.00 | 583 |
| 2018-12-01 | $449,900 (-10.0%) | $753,095 (-15.1%) | 0.00 | 544 |
| 2019-01-01 | $461,500 (-5.7%) | $773,891 (-11.5%) | 0.00 | 486 |
| 2019-02-01 | $474,000 (-1.2%) | $774,133 (-7.0%) | 0.00 | 450 |
| 2019-03-01 | $493,586 (9.9%) | $774,035 (-0.9%) | 0.00 | 433 |
| 2019-04-01 | $497,886 (6.6%) | $772,649 (0.5%) | 0.00 | 436 |
| 2019-05-01 | $524,900 (0.0%) | $773,539 (-1.5%) | 0.00 | 487 |
| 2019-06-01 | $540,000 (1.9%) | $822,220 (5.0%) | 0.00 | 553 |
| 2019-07-01 | $549,450 (10.0%) | $862,798 (14.7%) | 0.00 | 611 |
| 2019-08-01 | $533,714 (9.6%) | $856,692 (15.6%) | 0.00 | 634 |
| 2019-09-01 | $516,714 (11.2%) | $850,045 (16.7%) | 0.00 | 649 |
| 2019-10-01 | $525,000 (16.7%) | $857,119 (21.9%) | 0.00 | 666 |
| 2019-11-01 | $499,000 (10.5%) | $850,655 (16.4%) | 0.00 | 610 |
| 2019-12-01 | $481,900 (7.1%) | $861,974 (14.5%) | 0.00 | 527 |
| 2020-01-01 | $467,500 (1.3%) | $902,807 (16.7%) | 0.00 | 482 |
| 2020-02-01 | $529,000 (11.6%) | $966,745 (24.9%) | 0.00 | 448 |
| 2020-03-01 | $532,000 (7.8%) | $935,951 (20.9%) | 0.00 | 459 |
| 2020-04-01 | $497,500 (-0.1%) | $906,255 (17.3%) | 0.00 | 515 |
| 2020-05-01 | $519,000 (-1.1%) | $956,404 (23.6%) | 0.00 | 541 |
| 2020-06-01 | $612,375 (13.4%) | $1,090,335 (32.6%) | 0.00 | 501 |
| 2020-07-01 | $682,400 (24.2%) | $1,194,590 (38.5%) | 0.00 | 412 |
| 2020-08-01 | $749,000 (40.3%) | $1,277,665 (49.1%) | 0.00 | 350 |
| 2020-09-01 | $795,000 (53.9%) | $1,459,809 (71.7%) | 0.00 | 264 |
| 2020-10-01 | $795,000 (51.4%) | $1,512,215 (76.4%) | 0.00 | 234 |
| 2020-11-01 | $901,000 (80.6%) | $1,715,103 (101.6%) | 0.00 | 184 |
| 2020-12-01 | $981,000 (103.6%) | $1,904,545 (121.0%) | 0.00 | 162 |
| 2021-01-01 | $1,125,000 (140.6%) | $2,077,262 (130.1%) | 0.00 | 141 |
| 2021-02-01 | $1,043,500 (97.3%) | $1,948,533 (101.6%) | 0.00 | 135 |
| 2021-03-01 | $833,450 (56.7%) | $1,619,251 (73.0%) | 0.00 | 133 |
| 2021-04-01 | $750,000 (50.8%) | $1,536,876 (69.6%) | 0.00 | 130 |
| 2021-05-01 | $899,000 (73.2%) | $1,652,052 (72.7%) | 0.00 | 154 |
| 2021-06-01 | $849,000 (38.6%) | $1,534,028 (40.7%) | 0.00 | 222 |
| 2021-07-01 | $862,400 (26.4%) | $1,595,487 (33.6%) | 0.00 | 266 |
| 2021-08-01 | $795,000 (6.1%) | $1,572,806 (23.1%) | 0.00 | 301 |
| 2021-09-01 | $791,615 (-0.4%) | $1,627,628 (11.5%) | 0.00 | 294 |
| 2021-10-01 | $831,435 (4.6%) | $1,682,835 (11.3%) | 0.00 | 247 |
| 2021-11-01 | $849,500 (-5.7%) | $1,940,633 (13.2%) | 0.00 | 186 |
| 2021-12-01 | $974,950 (-0.6%) | $2,143,285 (12.5%) | 0.00 | 148 |
| 2022-01-01 | $1,275,000 (13.3%) | $2,491,956 (20.0%) | 0.00 | 117 |
| 2022-02-01 | $1,232,500 (18.1%) | $2,374,115 (21.8%) | 0.00 | 125 |
| 2022-03-01 | $999,900 (20.0%) | $2,098,667 (29.6%) | 0.00 | 137 |
| 2022-04-01 | $1,099,000 (46.5%) | $1,943,487 (26.5%) | 0.00 | 183 |
| 2022-05-01 | $879,000 (-2.2%) | $1,598,250 (-3.3%) | 0.00 | 262 |
| 2022-06-01 | $874,250 (3.0%) | $1,524,625 (-0.6%) | 0.00 | 367 |
Bozeman's median listing price for 2022-06-01 was $874,250, a difference of
$25,250
(3.0%) versus the prior year and
$-4,750 versus the prior month.
Bozeman's median listing price comes in at 0% of the national average.
Bozeman's average listing price for 2022-06-01 was $1,524,625, a difference of $-9,403 (-0.6%) versus the prior year and $-73,625 versus the prior month.
For the 2022-06-01 period, Bozeman had 367 MLS listings, a difference of 105 listings (40%) versus the prior month and 145 listings (65%) versus the prior year.
Bozeman's median listing price comes in at 0% of the national average.
Bozeman's average listing price for 2022-06-01 was $1,524,625, a difference of $-9,403 (-0.6%) versus the prior year and $-73,625 versus the prior month.
For the 2022-06-01 period, Bozeman had 367 MLS listings, a difference of 105 listings (40%) versus the prior month and 145 listings (65%) 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 | 2,364 sqft |
| 2018-02-01 | 0 days | 2,308 sqft |
| 2018-03-01 | 0 days | 2,280 sqft |
| 2018-04-01 | 0 days | 2,329 sqft |
| 2018-05-01 | 0 days | 2,400 sqft |
| 2018-06-01 | 0 days | 2,520 sqft |
| 2018-07-01 | 0 days | 2,525 sqft |
| 2018-08-01 | 0 days | 2,400 sqft |
| 2018-09-01 | 0 days | 2,280 sqft |
| 2018-10-01 | 0 days | 2,200 sqft |
| 2018-11-01 | 0 days | 2,271 sqft |
| 2018-12-01 | 0 days | 2,280 sqft |
| 2019-01-01 | 0 days | 2,274 sqft |
| 2019-02-01 | 0 days | 2,290 sqft |
| 2019-03-01 | 0 days | 2,294 sqft |
| 2019-04-01 | 0 days | 2,297 sqft |
| 2019-05-01 | 0 days | 2,273 sqft |
| 2019-06-01 | 0 days | 2,312 sqft |
| 2019-07-01 | 0 days | 2,332 sqft |
| 2019-08-01 | 0 days | 2,287 sqft |
| 2019-09-01 | 0 days | 2,223 sqft |
| 2019-10-01 | 0 days | 2,203 sqft |
| 2019-11-01 | 0 days | 2,152 sqft |
| 2019-12-01 | 0 days | 2,150 sqft |
| 2020-01-01 | 0 days | 2,099 sqft |
| 2020-02-01 | 0 days | 2,153 sqft |
| 2020-03-01 | 0 days | 2,166 sqft |
| 2020-04-01 | 0 days | 2,086 sqft |
| 2020-05-01 | 0 days | 2,120 sqft |
| 2020-06-01 | 0 days | 2,294 sqft |
| 2020-07-01 | 0 days | 2,413 sqft |
| 2020-08-01 | 0 days | 2,548 sqft |
| 2020-09-01 | 0 days | 2,584 sqft |
| 2020-10-01 | 0 days | 2,597 sqft |
| 2020-11-01 | 0 days | 2,558 sqft |
| 2020-12-01 | 0 days | 2,609 sqft |
| 2021-01-01 | 0 days | 2,743 sqft |
| 2021-02-01 | 0 days | 2,735 sqft |
| 2021-03-01 | 0 days | 2,606 sqft |
| 2021-04-01 | 0 days | 2,478 sqft |
| 2021-05-01 | 0 days | 2,640 sqft |
| 2021-06-01 | 0 days | 2,483 sqft |
| 2021-07-01 | 0 days | 2,393 sqft |
| 2021-08-01 | 0 days | 2,299 sqft |
| 2021-09-01 | 0 days | 2,284 sqft |
| 2021-10-01 | 0 days | 2,304 sqft |
| 2021-11-01 | 0 days | 2,452 sqft |
| 2021-12-01 | 0 days | 2,569 sqft |
| 2022-01-01 | 0 days | 2,719 sqft |
| 2022-02-01 | 0 days | 2,599 sqft |
| 2022-03-01 | 0 days | 2,464 sqft |
| 2022-04-01 | 0 days | 2,206 sqft |
| 2022-05-01 | 0 days | 2,271 sqft |
| 2022-06-01 | 0 days | 2,244 sqft |
Bozeman's median listing age (time on market) for 2022-06-01 was 0 days.
Bozeman's median square footage for active listings during the 2022-06-01 period was 2,244 sqft. One year prior, the average listing was 2,483 sqft.
Bozeman's median square footage for active listings during the 2022-06-01 period was 2,244 sqft. One year prior, the average listing was 2,483 sqft.
