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 6.61% for the week of 2023-09-14, compared to the national average of 7.18% for the same period.

The average rate for the prior week (2023-09-07) was 6.75% and one month ago for the week of 2023-08-10, the average rate was 6.39%.

Bozeman's average rate one year ago was 5.22%.

For refis of the same type during the week of 2023-09-14, the average rate was 5.99%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-09-14 7.18%
Bozeman 30 Year Fixed Rate 2023-09-14 6.61%
Bozeman 30 Year Fixed Rate Refi 2023-09-14 5.99%
Bozeman 15 Year Fixed Rate 2023-09-14 6.61%
Bozeman 15 Year Fixed Rate Refi 2023-09-14 6.41%
Bozeman 30 Year FHA 2023-09-14 6.25%
Bozeman 30 Year FHA Refi 2023-09-14 7.09%
Bozeman 30 Year USDA 2023-09-14 7.08%
Bozeman 30 Year USDA Refi 2023-09-14 7.08%
Bozeman 30 Year VA 2023-09-14 6.34%
Bozeman 30 Year VA Refi 2023-09-14 7.01%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
Stockman Bank of Montana 182 4.69% $9,581
Glacier Bank 120 4.48% $12,570
CORNERSTONE HOME LENDING, INC. 99 4.73% $7,991
U.S. Bank 96 4.39% $6,463
Opportunity Bank of Montana 93 4.74% $7,956
GUARANTEED RATE, INC. 92 4.90% $7,151
QUICKEN LOANS, LLC 86 4.55% $9,305
GoPrime Mortgage, Inc. 75 4.82% $8,113
PRIMELENDING, A PLAINSCAPITAL COMPANY 63 5.27% $6,713
UNITED WHOLESALE MORTGAGE, LLC 60 4.61% $9,588
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 59 4.94% $7,140
AMERICAN PACIFIC MORTGAGE CORPORATION 58 4.81% $9,726
Wells Fargo Bank 56 3.92% $6,845
First Interstate Bank 39 4.78% $7,895
CROSSCOUNTRY MORTGAGE, LLC 37 4.78% $13,461
Flagstar Bank, FSB 35 4.66% $9,914
Hometown Lenders, Inc. 33 5.07% $8,844
CHERRY CREEK MORTGAGE, LLC 28 4.80% $712
Bank of America 26 3.83% $6,601
Renasant Bank 24 4.43% $9,036
JPMorgan Chase Bank 23 4.06% $9,520
Paramount Residential Mortgage Group, Inc. 22 5.01% $6,905
Flanagan State Bank 22 5.24% $6,349
CALIBER HOME LOANS, INC. 20 4.53% $8,761
LOANDEPOT.COM, LLC 19 4.44% $11,348
Citibank 18 3.35% $9,957
Ally Bank 17 3.80% $7,219
First Republic Bank 17 3.25% $7,320
Morgan Stanley Private Bank 15 3.37% $10,880
AMERISAVE MORTGAGE CORPORATION 14 3.67% $13,987
UBS Bank USA 14 3.49% $7,100
PENNYMAC LOAN SERVICES, LLC 13 3.71% $6,230
BETTER MORTGAGE CORPORATION 12 3.57% $5,195
MANN FINANCIAL INC. 12 5.54% $7,780
Mr. Cooper ( Nationstar Mortgage ) 12 4.08% $8,441
CMG MORTGAGE, INC. 12 4.49% $10,708
Stifel Bank and Trust 11 3.50% $3,671
Charles Schwab Bank, SSB 11 4.01% $9,947
FREEDOM MORTGAGE CORPORATION 10 4.60% $5,955
KeyBank 10 3.85% $6,095
Truist 10 5.34% $6,517
PACIFIC RESIDENTIAL MORTGAGE, LLC 9 4.65% $8,550
City National Bank 9 3.62% $5,952
BROKER SOLUTIONS, INC. 8 4.75% $7,162
Bank of England 7 4.98% $9,744
PNC Bank 7 3.95% $10,644
GUILD MORTGAGE COMPANY 6 5.64% $8,740
PLANET HOME LENDING, LLC 5 4.43% $5,153
FINANCE OF AMERICA MORTGAGE LLC 5 4.75% $6,950
LAKEVIEW LOAN SERVICING, LLC 5 4.10% $5,363
KELLER MORTGAGE, LLC 4 4.63% $4,205
Plains Commerce Bank 4 4.06% $6,414
NBKC BANK 4 4.63% $3,409
BOKF 4 5.69% $4,356
Raymond James Bank 4 3.75% $10,670
North American Savings Bank, F.S.B. 4 5.06% $13,018
NEWREZ LLC 3 4.71% $10,524
Amerifirst Financial, Inc. 3 5.79% $5,595
First Western Trust Bank 3 4.58% $11,342
The Huntington National Bank 3 4.37% $7,276
BNC National Bank 3 5.04% $6,795
LENDSURE MORTGAGE CORP. 3 7.67% $15,200
Silicon Valley Bank 3 3.33% $33,170
Fifth Third Bank 3 3.96% $7,501
BNY Mellon 3 2.58% $13,429
AMERICAN FINANCING CORPORATION 3 3.96% $5,034
MOVEMENT MORTGAGE, LLC 3 5.65% $5,929
CIBC Bank USA 3 3.17% $11,582
Goldman Sachs Bank USA 3 3.47% $15,274
MEGASTAR FINANCIAL CORP. 2 4.13% $7,591
The Central Trust Bank 2 5.87% $2,971
BMO Harris Bank 2 5.13% $7,466
First Internet Bank of Indiana 2 4.25% $4,481
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 2 5.56% $7,277
EVERETT FINANCIAL, INC. 2 4.69% $2,937
Wyndham Capital Mortgage, Inc. 2 5.75% $1,789
ZILLOW HOME LOANS, LLC 2 3.13% $4,344
Servion, Inc. 2 5.00% $11,334
BAY EQUITY LLC 2 4.44% $8,552
RESIDENTIAL BANCORP 2 3.12% $6,369
HOME POINT FINANCIAL CORPORATION 2 3.94% $4,430
HOMESIDE FINANCIAL, LLC 2 3.56% $21,251
PHH Mortgage Corporation 2 3.44% $8,717
IDAHO CENTRAL 2 4.94% $5,867
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 5.69% $12,896
AMERICAN INTERNET MORTGAGE, INC. 2 4.25% $15,838
Citizens Bank 2 4.19% $4,211
Northpointe Bank 2 5.31% $6,740
NETWORK CAPITAL FUNDING CORPORATION 2 5.44% $5,037
Zions Bank 1 2.75% $3,834
ADVANCIAL 1 7.13% $20,000
ALLIANT CREDIT UNION 1 5.25% $4,430
ANGEL OAK HOME LOANS LLC 1 8.38% $5,919
Austin Capital Bank SSB 1 4.38% $47,844
Axos Bank 1 4.25% $33,620
BANK OF LITTLE ROCK MORTGAGE CORPORATION 1 6.00% $3,424
BILLINGS 1 3.25% $6,912
Bremer Bank 1 2.88% $13,511
CANOPY MORTGAGE, LLC 1 2.99% $1,405
CARDINAL FINANCIAL 1 3.25% $6,129
CHEVRON 1 4.50% $3,546
CHURCHILL MORTGAGE CORPORATION 1 4.38% $5,601
Citadel Servicing Corporation 1 4.63% $18,037
CITY FIRST MORTGAGE SERVICES, L.L.C. 1 4.88% $19,609
Cornerstone First Mortgage, Inc 1 4.00% $10,085
CUSTOMER SERVICE MORTGAGE CORPORATION 1 3.75% $4,072
ENVOY MORTGAGE, LTD 1 3.63% $4,924
EVANSVILLE TEACHERS 1 5.00% $8,179
FBC MORTGAGE, LLC 1 6.50% $4,772
FirstBank 1 3.13% $2,631
First Financial Bank 1 3.25% $4,076
First Horizon Bank 1 4.63% $4,113
First United Bank and Trust Company 1 6.38% $4,404
First Western Bank & Trust 1 4.00% $6,348
Great Southern Bank 1 3.63% $2,974
HOMESTEAD FUNDING CORP. 1 4.63% $5,888
IMPAC MORTGAGE CORP. 1 4.13% $0
ITHINK FINANCIAL Credit Union 1 5.63% $3,412
MidFirst Bank 1 5.90% $26,210
Midwest Community Bank 1 4.63% $3,462
M&T Bank 1 3.88% $6,109
Nations Lending Corporation 1 5.99% $2,719
NFM, INC. 1 6.13% $14,443
Notre Dame Federal Credit Union Corporation 1 3.88% $3,276
Old National Bank 1 5.50% $5,502
PANORAMA MORTGAGE GROUP, LLC 1 5.13% $2,566
PENTAGON FEDERAL CREDIT UNION 1 3.25% $1,977
Pinnacle Bank 1 5.13% $6,849
Platinum Home Mortgage Corporation 1 3.38% $6,974
PREMIA MORTGAGE, LLC 1 5.20% $9,070
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 1 4.50% $12,248
Security First Bank 1 7.13% $3,183
ServisFirst Bank 1 4.88% $20,833
Sierra Pacific Mortgage Company, Inc. 1 3.88% $3,590
SIRVA MORTGAGE, INC. 1 5.88% $2,273
STANFORD Federal Credit Union 1 4.50% $2,988
Strong Home Mortgage, LLC 1 3.63% $1,539
SWBC MORTGAGE CORPORATION 1 4.13% $15,965
THRIVE MORTGAGE, LLC 1 6.00% $7,238
Umpqua Bank 1 3.88% $6,751
UNIVERSAL LENDING CORPORATION 1 5.38% $8,072
UNIVERSITY CREDIT UNION 1 2.68% $6,082
VALLEY FINANCIAL CREDIT UNION 1 6.25% $3,867
V.I.P. MORTGAGE, INC. 1 3.75% $3,193
Willamette Valley Bank 1 4.75% $9,144
WINGS FINANCIAL 1 5.50% $3,759
1st Security Bank of Washington 1 6.63% $8,368

Bozeman Average Closing Costs & Other Stats

Bozeman, MT's 147 lenders originated 3,561 loans during 2022. The total origination value was $2,257,935,000, with an average loan value of $634,073.

Bozeman's average closing costs are $5,972.

The top Bozeman lender as defined by loan originations is Stockman Bank of Montana, with 182 loans originated. Their average total fees are $9,581, which is $2,989 lower than the next largest lender, Glacier Bank.

The lowest fee Bozeman lenders (with over 10 loans originated) are CHERRY CREEK MORTGAGE, LLC ($712), Stifel Bank and Trust ($3,671), BETTER MORTGAGE CORPORATION ($5,195), FREEDOM MORTGAGE CORPORATION ($5,955) and KeyBank ($6,095).

The lowest rate Bozeman lenders (with over 10 loans originated) are First Republic Bank (3.25%), Citibank (3.35%), Morgan Stanley Private Bank (3.37%), UBS Bank USA (3.49%) and Stifel Bank and Trust (3.50%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
Glacier Bank $255,850,000 $246,695,000 -3.6% 10.9%
First Interstate Bank $108,540,000 $143,940,000 32.6% 6.4%
Stockman Bank of Montana $248,415,000 $131,960,000 -46.9% 5.8%
U.S. Bank $127,585,000 $106,825,000 -16.3% 4.7%
JPMorgan Chase Bank $81,035,000 $104,875,000 29.4% 4.6%
Opportunity Bank of Montana $180,400,000 $81,300,000 -54.9% 3.6%
Silicon Valley Bank $1,305,000 $81,230,000 6,124.5% 3.6%
First Republic Bank $64,540,000 $80,270,000 24.4% 3.6%
Citibank $26,645,000 $75,990,000 185.2% 3.4%
Bank of America $46,630,000 $68,845,000 47.6% 3.0%
GUARANTEED RATE, INC. $46,230,000 $68,405,000 48.0% 3.0%
CORNERSTONE HOME LENDING, INC. $155,770,000 $60,255,000 -61.3% 2.7%
Wells Fargo Bank $223,205,000 $57,265,000 -74.3% 2.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $77,885,000 $48,910,000 -37.2% 2.2%
Morgan Stanley Private Bank $46,235,000 $47,010,000 1.7% 2.1%
GoPrime Mortgage, Inc. $111,380,000 $44,685,000 -59.9% 2.0%
QUICKEN LOANS, LLC $118,160,000 $42,510,000 -64.0% 1.9%
AMERICAN PACIFIC MORTGAGE CORPORATION $59,590,000 $37,285,000 -37.4% 1.7%
UNITED WHOLESALE MORTGAGE, LLC $70,905,000 $36,975,000 -47.9% 1.6%
Associated Bank $34,155,000 n/a 1.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $85,425,000 $31,770,000 -62.8% 1.4%
Flagstar Bank, FSB $49,690,000 $25,110,000 -49.5% 1.1%
CROSSCOUNTRY MORTGAGE, LLC $12,325,000 $24,615,000 99.7% 1.1%
UBS Bank USA $14,895,000 $21,440,000 43.9% 0.9%
PNC Bank $35,870,000 $20,755,000 -42.1% 0.9%
Hometown Lenders, Inc. $60,290,000 $18,180,000 -69.8% 0.8%
MOUNTAIN AMERICA $3,340,000 $17,450,000 422.5% 0.8%
LOANDEPOT.COM, LLC $38,590,000 $17,250,000 -55.3% 0.8%
Raymond James Bank $605,000 $15,970,000 2,539.7% 0.7%
Stifel Bank and Trust $18,005,000 $15,560,000 -13.6% 0.7%
Charles Schwab Bank, SSB $16,765,000 $15,220,000 -9.2% 0.7%
Flanagan State Bank $12,730,000 $15,055,000 18.3% 0.7%
CMG MORTGAGE, INC. $11,815,000 $14,890,000 26.0% 0.7%
CHERRY CREEK MORTGAGE, LLC $23,680,000 $14,305,000 -39.6% 0.6%
Paramount Residential Mortgage Group, Inc. $33,265,000 $14,275,000 -57.1% 0.6%
CALIBER HOME LOANS, INC. $14,665,000 $14,150,000 -3.5% 0.6%
Renasant Bank $16,320,000 $13,425,000 -17.7% 0.6%
City National Bank $4,215,000 $11,715,000 177.9% 0.5%
Alliance Bank Central Texas $11,255,000 n/a 0.5%
Ally Bank $12,235,000 $11,065,000 -9.6% 0.5%
Goldman Sachs Bank USA $9,430,000 $11,015,000 16.8% 0.5%
BNY Mellon $1,005,000 $10,985,000 993.0% 0.5%
KeyBank $2,790,000 $10,735,000 284.8% 0.5%
First Western Trust Bank $2,115,000 $10,645,000 403.3% 0.5%
AMERISAVE MORTGAGE CORPORATION $30,760,000 $9,705,000 -68.4% 0.4%
PENNYMAC LOAN SERVICES, LLC $32,270,000 $9,510,000 -70.5% 0.4%
FREEDOM MORTGAGE CORPORATION $32,110,000 $7,430,000 -76.9% 0.3%
Truist $10,545,000 $7,075,000 -32.9% 0.3%
REVERSE MORTGAGE FUNDING LLC $5,195,000 $6,420,000 23.6% 0.3%
BETTER MORTGAGE CORPORATION $41,355,000 $6,265,000 -84.9% 0.3%
Mr. Cooper ( Nationstar Mortgage ) $9,140,000 $6,150,000 -32.7% 0.3%
MANN FINANCIAL INC. $4,330,000 $5,945,000 37.3% 0.3%
PACIFIC RESIDENTIAL MORTGAGE, LLC $23,830,000 $5,915,000 -75.2% 0.3%
Mortgage Research Center, LLC $13,870,000 $5,665,000 -59.2% 0.3%
BOKF $4,550,000 $5,205,000 14.4% 0.2%
CIBC Bank USA $2,855,000 $5,085,000 78.1% 0.2%
BMO Harris Bank $1,785,000 $4,590,000 157.1% 0.2%
FINANCE OF AMERICA REVERSE LLC $3,180,000 $3,970,000 24.8% 0.2%
GUILD MORTGAGE COMPANY $4,130,000 $3,915,000 -5.2% 0.2%
Bank of England $14,630,000 $3,545,000 -75.8% 0.2%
North American Savings Bank, F.S.B. $1,605,000 $3,520,000 119.3% 0.2%
Fifth Third Bank $535,000 $3,455,000 545.8% 0.2%
Merchants Bank $3,355,000 n/a 0.1%
Midwest Bank $3,050,000 n/a 0.1%
NBKC BANK $10,640,000 $2,990,000 -71.9% 0.1%
BROKER SOLUTIONS, INC. $6,510,000 $2,925,000 -55.1% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $3,390,000 $2,885,000 -14.9% 0.1%
LAKEVIEW LOAN SERVICING, LLC $12,555,000 $2,885,000 -77.0% 0.1%
M&T Bank $1,795,000 $2,705,000 50.7% 0.1%
PHH Mortgage Corporation $1,165,000 $2,635,000 126.2% 0.1%
NEWREZ LLC $10,140,000 $2,615,000 -74.2% 0.1%
HOME POINT FINANCIAL CORPORATION $5,960,000 $2,535,000 -57.5% 0.1%
LENDSURE MORTGAGE CORP. $940,000 $2,470,000 162.8% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $4,320,000 $2,415,000 -44.1% 0.1%
ADVANCIAL $2,405,000 n/a 0.1%
ServisFirst Bank $2,255,000 n/a 0.1%
MidFirst Bank $2,580,000 $2,205,000 -14.5% 0.1%
PLANET HOME LENDING, LLC $4,630,000 $2,120,000 -54.2% 0.1%
Plains Commerce Bank $2,670,000 $2,110,000 -21.0% 0.1%
NAVY FEDERAL CREDIT UNION $5,310,000 $2,090,000 -60.6% 0.1%
The Huntington National Bank $7,390,000 $2,035,000 -72.5% 0.1%
AMERICAN FINANCING CORPORATION $3,360,000 $2,015,000 -40.0% 0.1%
First Montana Bank, Inc. $2,230,000 $2,005,000 -10.1% 0.1%
Fortifi Bank $2,005,000 n/a 0.1%
Axos Bank $3,130,000 $1,850,000 -40.9% 0.1%
SPRING EQ, LLC $205,000 $1,840,000 797.6% 0.1%
Zions Bancorporation, N.A. $815,000 $1,800,000 120.9% 0.1%
Farmers and Merchants Bank of Long Beach $1,790,000 n/a 0.1%
First Internet Bank of Indiana $405,000 $1,705,000 321.0% 0.1%
BAY EQUITY LLC $1,805,000 $1,685,000 -6.6% 0.1%
PENTAGON FEDERAL CREDIT UNION $4,905,000 $1,645,000 -66.5% 0.1%
The Federal Savings Bank $1,170,000 $1,645,000 40.6% 0.1%
USAA Federal Savings Bank $7,405,000 $1,630,000 -78.0% 0.1%
KELLER MORTGAGE, LLC $3,215,000 $1,620,000 -49.6% 0.1%
MEGASTAR FINANCIAL CORP. $1,205,000 $1,605,000 33.2% 0.1%
Rocky Mountain Bank $1,915,000 $1,585,000 -17.2% 0.1%
BNC National Bank $700,000 $1,565,000 123.6% 0.1%
Discover Bank $660,000 $1,540,000 133.3% 0.1%
First Merchants Bank $9,445,000 $1,505,000 -84.1% 0.1%
VALLEY FINANCIAL CREDIT UNION $1,480,000 $1,505,000 1.7% 0.1%
Amerifirst Financial, Inc. $870,000 $1,475,000 69.5% 0.1%
Austin Capital Bank SSB $1,465,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,420,000 n/a 0.1%
Figure Lending LLC $880,000 $1,350,000 53.4% 0.1%
MOVEMENT MORTGAGE, LLC $3,035,000 $1,315,000 -56.7% 0.1%
LIMA ONE CAPITAL, LLC $1,300,000 n/a 0.1%
The Old Fort Banking Company $1,285,000 n/a 0.1%
ALLIANT CREDIT UNION $1,780,000 $1,245,000 -30.1% 0.1%
EVERETT FINANCIAL, INC. $305,000 $1,235,000 304.9% 0.1%
HORIZON $395,000 $1,210,000 206.3% 0.1%
Sierra Pacific Mortgage Company, Inc. $1,185,000 n/a 0.1%
Capital Bank $1,165,000 n/a 0.1%
HOMESTEAD FUNDING CORP. $2,705,000 $1,165,000 -56.9% 0.1%
Citadel Servicing Corporation $1,120,000 n/a 0.0%
Northpointe Bank $640,000 $1,120,000 75.0% 0.0%
VILLAGE CAPITAL MORTGAGE $235,000 $1,115,000 374.5% 0.0%
Firefighters First Federal Credit Union $1,110,000 n/a 0.0%
HOMESIDE FINANCIAL, LLC $1,090,000 n/a 0.0%
Century Mortgage Company DBA Century Lending Company $1,055,000 n/a 0.0%
Hometown Equity Mortgage, LLC $1,055,000 n/a 0.0%
LONGBRIDGE FINANCIAL, LLC $225,000 $1,055,000 368.9% 0.0%
The Central Trust Bank $710,000 $1,050,000 47.9% 0.0%
Arvest Bank $925,000 $1,005,000 8.6% 0.0%
SWBC MORTGAGE CORPORATION $1,005,000 n/a 0.0%
UNIVERSITY CREDIT UNION $875,000 $965,000 10.3% 0.0%
UNITED MORTGAGE CORP. $955,000 n/a 0.0%
Willamette Valley Bank $2,075,000 $930,000 -55.2% 0.0%
Central Bank $925,000 n/a 0.0%
Citizens Bank $1,195,000 $920,000 -23.0% 0.0%
Bremer Bank $3,185,000 $915,000 -71.3% 0.0%
Old National Bank $900,000 n/a 0.0%
EVANSVILLE TEACHERS $1,765,000 $885,000 -49.9% 0.0%
GEORGIA'S OWN $855,000 $875,000 2.3% 0.0%
REDWOOD RESIDENTIAL ACQUISITION CORPORATION $5,445,000 $875,000 -83.9% 0.0%
First Horizon Bank $2,955,000 $805,000 -72.8% 0.0%
Servion, Inc. $770,000 $800,000 3.9% 0.0%
First Western Bank & Trust $780,000 n/a 0.0%
CHURCHILL MORTGAGE CORPORATION $1,575,000 $750,000 -52.4% 0.0%
First International Bank & Trust $880,000 $740,000 -15.9% 0.0%
CITY FIRST MORTGAGE SERVICES, L.L.C. $1,500,000 $730,000 -51.3% 0.0%
NEW DAY FINANCIAL, LLC $2,570,000 $725,000 -71.8% 0.0%
SUMMIT FUNDING, INC. $820,000 $725,000 -11.6% 0.0%
Great Southern Bank $715,000 n/a 0.0%
United Nations Federal Credit Union $715,000 n/a 0.0%
Farmers & Stockmens Bank $655,000 n/a 0.0%
BANK OF LITTLE ROCK MORTGAGE CORPORATION $645,000 n/a 0.0%
ITHINK FINANCIAL Credit Union $645,000 n/a 0.0%
Midwest Community Bank $850,000 $645,000 -24.1% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $640,000 n/a 0.0%
1st Security Bank of Washington $455,000 $625,000 37.4% 0.0%
IDAHO CENTRAL $980,000 $620,000 -36.7% 0.0%
First National Bank of Omaha $605,000 n/a 0.0%
PREMIA MORTGAGE, LLC $425,000 $595,000 40.0% 0.0%
Wyndham Capital Mortgage, Inc. $8,205,000 $590,000 -92.8% 0.0%
AMERICAN ADVISORS GROUP $1,105,000 $585,000 -47.1% 0.0%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $570,000 n/a 0.0%
American Airlines Federal Credit Union $565,000 n/a 0.0%
FBC MORTGAGE, LLC $565,000 n/a 0.0%
FirstBank $4,900,000 $560,000 -88.6% 0.0%
TrailWest Bank $1,725,000 $560,000 -67.5% 0.0%
STANFORD Federal Credit Union $555,000 n/a 0.0%
Cornerstone First Mortgage, Inc $545,000 n/a 0.0%
SIRVA MORTGAGE, INC. $780,000 $535,000 -31.4% 0.0%
WINGS FINANCIAL $1,275,000 $535,000 -58.0% 0.0%
ENVOY MORTGAGE, LTD $1,290,000 $525,000 -59.3% 0.0%
NFM, INC. $740,000 $525,000 -29.1% 0.0%
Pinnacle Bank $1,010,000 $525,000 -48.0% 0.0%
RESIDENTIAL BANCORP. $245,000 $520,000 112.2% 0.0%
Citizens Alliance Bank $770,000 $510,000 -33.8% 0.0%
ZILLOW HOME LOANS, LLC $1,440,000 $510,000 -64.6% 0.0%
Armed Forces Bank $505,000 n/a 0.0%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $4,770,000 $495,000 -89.6% 0.0%
First Home Bank $505,000 $485,000 -4.0% 0.0%
AXIA FINANCIAL, LLC $475,000 n/a 0.0%
First United Bank and Trust Company $295,000 $475,000 61.0% 0.0%
Umpqua Bank $1,675,000 $460,000 -72.5% 0.0%
Simmons Bank $455,000 n/a 0.0%
GENEVA FINANCIAL, LLC $325,000 $445,000 36.9% 0.0%
PANORAMA MORTGAGE GROUP, LLC $425,000 n/a 0.0%
CHEVRON $115,000 $415,000 260.9% 0.0%
CUSTOMER SERVICE MORTGAGE CORPORATION $415,000 n/a 0.0%
Commerce Home Mortgage, Inc. $425,000 $395,000 -7.1% 0.0%
Meridian Trust Federal Credit Union $390,000 n/a 0.0%
Texana Bank $2,635,000 $385,000 -85.4% 0.0%
UNIVERSAL LENDING CORPORATION $815,000 $385,000 -52.8% 0.0%
First Savings Bank $375,000 n/a 0.0%
IMPAC MORTGAGE CORP. $560,000 $365,000 -34.8% 0.0%
American Bank Center $355,000 n/a 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $2,130,000 $355,000 -83.3% 0.0%
BILLINGS $335,000 n/a 0.0%
Black Hills Community Bank $335,000 n/a 0.0%
First Financial Bank $335,000 n/a 0.0%
21ST MORTGAGE CORPORATION $185,000 $330,000 78.4% 0.0%
Sunflower Bank $105,000 $325,000 209.5% 0.0%
First Bank & Trust $315,000 n/a 0.0%
Consolidated Federal Credit Union $290,000 n/a 0.0%
Platinum Home Mortgage Corporation $285,000 n/a 0.0%
THRIVE MORTGAGE, LLC $285,000 n/a 0.0%
VERITAS FUNDING, LLC $285,000 n/a 0.0%
Security First Bank $275,000 n/a 0.0%
CANOPY MORTGAGE, LLC $2,780,000 $265,000 -90.5% 0.0%
V.I.P. MORTGAGE, INC. $265,000 n/a 0.0%
Mid-Continent Funding, Inc. $255,000 n/a 0.0%
Paragon Bank $255,000 n/a 0.0%
State Department Federal Credit Union $245,000 n/a 0.0%
ANGEL OAK HOME LOANS LLC $235,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $215,000 $230,000 7.0% 0.0%
MUTUAL OF OMAHA MORTGAGE, INC. $4,355,000 $215,000 -95.1% 0.0%
AFFINITY $205,000 n/a 0.0%
Gate City Bank $1,880,000 $205,000 -89.1% 0.0%
Nations Lending Corporation $2,145,000 $195,000 -90.9% 0.0%
Notre Dame Federal Credit Union Corporation $175,000 n/a 0.0%
GTE Federal Credit Union $155,000 n/a 0.0%
S1L, Inc. $560,000 $145,000 -74.1% 0.0%
Barrington Bank & Trust Company, N.A. $6,430,000 $135,000 -97.9% 0.0%
Deere Employees Credit Union $580,000 $135,000 -76.7% 0.0%
Strong Home Mortgage, LLC $1,760,000 $85,000 -95.2% 0.0%
UTAH FIRST $55,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $35,000 n/a 0.0%
FEDEX EMPLOYEES CREDIT ASSOCIATION $25,000 n/a 0.0%

Bozeman's top lender by overall market share is Glacier Bank, with 10.9% market share. In second place, with 6.4%, is First Interstate Bank, having originated $143,940,000 in loans. In third place, with 5.8%, is Stockman Bank of Montana, having originated $131,960,000 in loans. In fourth place, with 4.7%, is U.S. Bank, having originated $106,825,000 in loans. In fifth place, with 4.6%, is JPMorgan Chase Bank, having originated $104,875,000 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 $580,450 (-0.5%) $1,050,813 (-8.1%) 0.00 616
2018-02-01 $597,475 (0.9%) $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 $534,450 (-6.9%) $906,710 (-11.4%) 0.00 755
2018-09-01 $499,000 (-16.1%) $886,277 (-15.1%) 0.00 759
2018-10-01 $485,500 (-19.1%) $876,829 (-17.6%) 0.00 744
2018-11-01 $492,450 (-13.0%) $918,089 (-11.5%) 0.00 682
2018-12-01 $499,900 (-13.1%) $959,959 (-7.4%) 0.00 654
2019-01-01 $549,250 (-5.4%) $1,069,816 (1.8%) 0.00 597
2019-02-01 $571,350 (-4.4%) $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 (19.4%) 0.00 764
2019-09-01 $615,052 (23.3%) $1,076,289 (21.4%) 0.00 781
2019-10-01 $599,450 (23.5%) $1,079,393 (23.1%) 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%) $2,334,842 (83.8%) 0.00 202
2021-03-01 $1,053,750 (63.8%) $2,158,491 (75.6%) 0.00 185
2021-04-01 $949,750 (57.2%) $2,052,542 (71.0%) 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 (27.3%) 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 (8.8%) 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
Bozeman's median listing price for 2023-08-01 was $1,097,500, a difference of $98,000 (9.8%) versus the prior year and $-102,500 versus the prior month.

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

Bozeman's average listing price for 2023-08-01 was $2,118,420, a difference of $292,263 (16.0%) versus the prior year and $-83,086 versus the prior month.

For the 2023-08-01 period, Bozeman had 629 MLS listings, a difference of 42 listings (7%) versus the prior month and -39 listings (-6%) 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 2,350 sqft
2018-02-01 0 days 2,305 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 2,445 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 2,705 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 2,369 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
Bozeman's median listing age (time on market) for 2023-08-01 was 0 days.

Bozeman's median square footage for active listings during the 2023-08-01 period was 2,390 sqft. One year prior, the average listing was 2,272 sqft.

Bozeman, MT Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,781 $1,389,125,000 $779,969
Cash Out Refi 653 $392,285,000 $600,743
Refi 415 $219,765,000 $529,554
Home Improvement 371 $56,035,000 $151,038
Other 341 $200,725,000 $588,636

Bozeman's most frequently cited loan purpose was Home Purchase, with 1,781 originations. The 2nd most popular reason was Cash Out Refi, with 653 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
4-5% 916 $504,790,000 $551,081
3-4% 900 $663,090,000 $736,767
5-6% 808 $400,570,000 $495,755
6-7% 375 $162,215,000 $432,573
2.5-3% 275 $334,515,000 $1,216,418
7-8% 137 $38,245,000 $279,161
<2.5% 80 $123,890,000 $1,548,625
Over 8% 55 $11,725,000 $213,182

During 2022, Bozeman's most frequently originated rate bucket was 4-5%, with 916 originations.

Loan Sizing (Bozeman, MT MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,036 $317,790,000 $306,747
$400k-600k 902 $438,960,000 $486,652
$600k-1000k 535 $387,525,000 $724,346
$100k-200k 398 $54,250,000 $136,307
$100,000 or less 362 $20,310,000 $56,105
$Over $1MM 328 $1,039,100,000 $3,167,988

Bozeman's loan sizing saw the bucket of loans from $200k-400k with 1,036 originations, totaling $317,790,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 1,046 $924,440,000 $883,786
40-60% 660 $583,560,000 $884,182
80-100% 644 $384,070,000 $596,382
Under 20% 635 $82,485,000 $129,898
20-40% 531 $233,825,000 $440,348
Over 100% 18 $11,240,000 $624,444

Bozeman's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,046 originations, totaling $924,440,000 in origination value.