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
6.67%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.87% and
one month ago for the week of 2025-05-29, the
average rate was 6.79%.
Bozeman's average rate one year ago was 6.66%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.69%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Bozeman 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Bozeman 30 Year Fixed Rate Refi | 2025-07-03 | 6.69% |
| Bozeman 15 Year Fixed Rate | 2025-07-03 | 5.6% |
| Bozeman 15 Year Fixed Rate Refi | 2025-07-03 | 6.1% |
| Bozeman 30 Year FHA | 2025-07-03 | -0.12% |
| Bozeman 30 Year FHA Refi | 2025-07-03 | -0.1% |
| Bozeman 30 Year USDA | 2025-07-03 | 0.1% |
| Bozeman 30 Year USDA Refi | 2025-07-03 | -0.2% |
| Bozeman 30 Year VA | 2025-07-03 | -0.37% |
| Bozeman 30 Year VA Refi | 2025-07-03 | 0.1% |
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.).
Bozeman Average Closing Costs & Other Stats
Bozeman, MT's 124 lenders originated 2,254
loans during 2024. The total origination value was $1,215,350,000, with an average loan value of
$539,197.
Bozeman's average closing costs are $6,534.
The top Bozeman lender as defined by loan originations is GUARANTEED RATE, INC., with
136 loans originated. Their average total fees are
$6,874, which is $3,822
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 ($4,528), Opportunity Bank of Montana ($6,047), GUARANTEED RATE, INC. ($6,874), MUTUAL OF OMAHA MORTGAGE, INC. ($6,901) and First Interstate Bank ($7,050).
The lowest rate Bozeman lenders (with over 10 loans originated) are
Morgan Stanley Private Bank (5.92%), NEWREZ LLC (6.37%), GUILD MORTGAGE COMPANY (6.42%), QUICKEN LOANS, LLC (6.45%) and Opportunity Bank of Montana (6.45%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Stockman Bank of Montana | $71,420,000 | $114,785,000 | 60.7% | 9.4% |
| GUARANTEED RATE, INC. | $63,975,000 | $107,645,000 | 68.3% | 8.9% |
| Glacier Bank | $96,280,000 | $97,260,000 | 1.0% | 8.0% |
| JPMorgan Chase Bank | $31,925,000 | $56,850,000 | 78.1% | 4.7% |
| U.S. Bank | $58,585,000 | $55,190,000 | -5.8% | 4.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $40,640,000 | $53,295,000 | 31.1% | 4.4% |
| CORNERSTONE HOME LENDING, INC. | $40,315,000 | $51,365,000 | 27.4% | 4.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $33,395,000 | $39,085,000 | 17.0% | 3.2% |
| QUICKEN LOANS, LLC | $22,650,000 | $28,800,000 | 27.2% | 2.4% |
| GoPrime Mortgage, Inc. | $22,800,000 | $27,665,000 | 21.3% | 2.3% |
| Opportunity Bank of Montana | $54,875,000 | $26,350,000 | -52.0% | 2.2% |
| Morgan Stanley Private Bank | $28,890,000 | $25,165,000 | -12.9% | 2.1% |
| COLLIERS MORTGAGE LLC | $21,935,000 | n/a | 1.8% | |
| PENNYMAC LOAN SERVICES, LLC | $12,750,000 | $19,815,000 | 55.4% | 1.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $20,500,000 | $17,720,000 | -13.6% | 1.5% |
| First Interstate Bank | $50,650,000 | $17,675,000 | -65.1% | 1.5% |
| CMG MORTGAGE, INC. | $8,485,000 | $17,495,000 | 106.2% | 1.4% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $405,000 | $14,430,000 | 3,463.0% | 1.2% |
| The Yellowstone Bank | $13,735,000 | n/a | 1.1% | |
| GUILD MORTGAGE COMPANY | $12,900,000 | $13,455,000 | 4.3% | 1.1% |
| Prosperity Home Mortgage, LLC | $4,105,000 | $12,855,000 | 213.2% | 1.1% |
| NEWREZ LLC | $2,540,000 | $12,085,000 | 375.8% | 1.0% |
| Bank of America | $16,585,000 | $11,925,000 | -28.1% | 1.0% |
| Charles Schwab Bank, SSB | $5,175,000 | $11,275,000 | 117.9% | 0.9% |
| Wells Fargo Bank | $8,820,000 | $10,360,000 | 17.5% | 0.9% |
| Flagstar Bank, FSB | $11,535,000 | $9,880,000 | -14.3% | 0.8% |
| CALCON MUTUAL MORTGAGE LLC | $9,975,000 | $9,875,000 | -1.0% | 0.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $19,790,000 | $9,645,000 | -51.3% | 0.8% |
| UNION HOME MORTGAGE CORP. | $9,235,000 | n/a | 0.8% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $6,525,000 | $9,230,000 | 41.5% | 0.8% |
| VALLEY FINANCIAL CREDIT UNION | $1,530,000 | $7,625,000 | 398.4% | 0.6% |
| UBS Bank USA | $24,970,000 | $6,985,000 | -72.0% | 0.6% |
| Century Mortgage Company DBA Century Lending Company | $3,185,000 | $6,965,000 | 118.7% | 0.6% |
| Stifel Bank and Trust | $8,360,000 | $6,935,000 | -17.0% | 0.6% |
| Flanagan State Bank | $10,155,000 | $6,695,000 | -34.1% | 0.6% |
| TBK BANK, SSB | $6,155,000 | n/a | 0.5% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $23,375,000 | $6,140,000 | -73.7% | 0.5% |
| First-Citizens Bank & Trust Company | $22,690,000 | $6,005,000 | -73.5% | 0.5% |
| Heritage Bank | $535,000 | $5,005,000 | 835.5% | 0.4% |
| Mortgage Research Center, LLC | $4,715,000 | $4,960,000 | 5.2% | 0.4% |
| LENDSURE MORTGAGE CORP. | $1,770,000 | $4,350,000 | 145.8% | 0.4% |
| The Loan Store, Inc. | $4,345,000 | n/a | 0.4% | |
| FREEDOM MORTGAGE CORPORATION | $2,305,000 | $4,260,000 | 84.8% | 0.4% |
| BMO Harris Bank | $6,640,000 | $4,130,000 | -37.8% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $5,600,000 | $4,035,000 | -27.9% | 0.3% |
| NBKC BANK | $1,375,000 | $3,885,000 | 182.5% | 0.3% |
| LOANDEPOT.COM, LLC | $4,125,000 | $3,465,000 | -16.0% | 0.3% |
| Citibank | $62,035,000 | $3,420,000 | -94.5% | 0.3% |
| The Huntington National Bank | $2,730,000 | $3,385,000 | 24.0% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $490,000 | $3,380,000 | 589.8% | 0.3% |
| FUNDLOANS CAPITAL | $3,335,000 | n/a | 0.3% | |
| MOVEMENT MORTGAGE, LLC | $1,840,000 | $3,305,000 | 79.6% | 0.3% |
| Truist | $490,000 | $3,280,000 | 569.4% | 0.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $1,195,000 | $3,125,000 | 161.5% | 0.3% |
| Fifth Third Bank | $2,960,000 | n/a | 0.2% | |
| Guaranty Bank & Trust, N.A. | $2,905,000 | n/a | 0.2% | |
| HSBC BANK USA, NATIONAL ASSOCIATION | $325,000 | $2,775,000 | 753.8% | 0.2% |
| Broadway National Bank | $2,735,000 | n/a | 0.2% | |
| Citizens Bank | $1,395,000 | $2,730,000 | 95.7% | 0.2% |
| Citizens National Bank of Texas | $2,705,000 | n/a | 0.2% | |
| HOMESIDE FINANCIAL, LLC | $2,610,000 | n/a | 0.2% | |
| CHURCHILL MORTGAGE CORPORATION | $2,585,000 | n/a | 0.2% | |
| HOMEXPRESS MORTGAGE CORP. | $2,555,000 | n/a | 0.2% | |
| Mr. Cooper ( Nationstar Mortgage ) | $1,180,000 | $2,550,000 | 116.1% | 0.2% |
| EMBRACE HOME LOANS, INC. | $1,020,000 | $2,525,000 | 147.5% | 0.2% |
| PNC Bank | $8,590,000 | $2,500,000 | -70.9% | 0.2% |
| Bank of England | $2,495,000 | $2,450,000 | -1.8% | 0.2% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $2,450,000 | n/a | 0.2% | |
| USAA Federal Savings Bank | $2,690,000 | $2,430,000 | -9.7% | 0.2% |
| AXIA FINANCIAL, LLC | $1,580,000 | $2,410,000 | 52.5% | 0.2% |
| Figure Lending LLC | $1,300,000 | $2,310,000 | 77.7% | 0.2% |
| AMERICAN FINANCING CORPORATION | $1,170,000 | $2,260,000 | 93.2% | 0.2% |
| Northwest Farm Credit Services, FLCA | $545,000 | $2,210,000 | 305.5% | 0.2% |
| American Bank Center | $2,205,000 | n/a | 0.2% | |
| BETTER MORTGAGE CORPORATION | $1,040,000 | $2,195,000 | 111.1% | 0.2% |
| BNY Mellon | $2,515,000 | $2,150,000 | -14.5% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $2,050,000 | $2,130,000 | 3.9% | 0.2% |
| BROKER SOLUTIONS, INC. | $655,000 | $2,115,000 | 222.9% | 0.2% |
| NEXERA HOLDING LLC | $1,400,000 | $2,115,000 | 51.1% | 0.2% |
| TRISTAR FINANCE, INC. | $2,055,000 | n/a | 0.2% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $315,000 | $2,040,000 | 547.6% | 0.2% |
| Citadel Servicing Corporation | $1,930,000 | n/a | 0.2% | |
| ALLIANT CREDIT UNION | $745,000 | $1,920,000 | 157.7% | 0.2% |
| NexBank | $1,910,000 | n/a | 0.2% | |
| Renasant Bank | $2,365,000 | $1,865,000 | -21.1% | 0.2% |
| Benchmark Bank | $1,845,000 | n/a | 0.2% | |
| CIBC Bank USA | $4,005,000 | $1,775,000 | -55.7% | 0.1% |
| JMJ FINANCIAL GROUP | $1,740,000 | n/a | 0.1% | |
| MORTGAGE 1 INCORPORATED | $1,735,000 | n/a | 0.1% | |
| First Horizon Bank | $2,560,000 | $1,700,000 | -33.6% | 0.1% |
| CLEARWATER Federal Credit Union | $1,685,000 | n/a | 0.1% | |
| The Federal Savings Bank | $915,000 | $1,645,000 | 79.8% | 0.1% |
| NP, Inc. | $1,625,000 | n/a | 0.1% | |
| V.I.P. MORTGAGE, INC. | $2,835,000 | $1,585,000 | -44.1% | 0.1% |
| The Central Trust Bank | $4,310,000 | $1,500,000 | -65.2% | 0.1% |
| OAKTREE FUNDING CORP. | $1,445,000 | n/a | 0.1% | |
| American Mortgage & Equity Consultants, Inc. | $2,840,000 | $1,350,000 | -52.5% | 0.1% |
| Raymond James Bank | $8,690,000 | $1,340,000 | -84.6% | 0.1% |
| Armed Forces Bank | $1,335,000 | n/a | 0.1% | |
| Citizens Alliance Bank | $55,000 | $1,330,000 | 2,318.2% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $465,000 | $1,330,000 | 186.0% | 0.1% |
| Commerce Home Mortgage, Inc. | $525,000 | $1,325,000 | 152.4% | 0.1% |
| Discover Bank | $1,095,000 | $1,305,000 | 19.2% | 0.1% |
| OCMBC, INC. | $1,305,000 | $1,265,000 | -3.1% | 0.1% |
| FOUNDATION MORTGAGE CORPORATION | $1,245,000 | n/a | 0.1% | |
| Washington Trust Bank | $1,205,000 | n/a | 0.1% | |
| FIRST COLONY MORTGAGE CORPORATION | $1,130,000 | n/a | 0.1% | |
| GEORGIA'S OWN | $960,000 | $1,125,000 | 17.2% | 0.1% |
| Financial Federal Bank | $1,095,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $435,000 | $1,065,000 | 144.8% | 0.1% |
| Carrington Mortgage Services, LLC | $695,000 | $1,030,000 | 48.2% | 0.1% |
| BNC National Bank | $555,000 | $1,005,000 | 81.1% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $2,105,000 | $1,000,000 | -52.5% | 0.1% |
| St Charles Bank & Trust | $2,005,000 | $965,000 | -51.9% | 0.1% |
| First Federal Bank | $860,000 | $930,000 | 8.1% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $975,000 | $910,000 | -6.7% | 0.1% |
| KINECTA | $905,000 | n/a | 0.1% | |
| STAR Financial Bank | $905,000 | n/a | 0.1% | |
| Sierra Pacific Mortgage Company, Inc. | $1,575,000 | $900,000 | -42.9% | 0.1% |
| Cornerstone First Mortgage, Inc | $880,000 | n/a | 0.1% | |
| Choice Financial Group | $865,000 | n/a | 0.1% | |
| INTERCAP LENDING INC. | $805,000 | $850,000 | 5.6% | 0.1% |
| Northpointe Bank | $2,190,000 | $845,000 | -61.4% | 0.1% |
| Schaumburg Bank & Trust | $775,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $555,000 | $770,000 | 38.7% | 0.1% |
| South State Bank | $765,000 | n/a | 0.1% | |
| Altana Federal Credit Union | $730,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $1,985,000 | $705,000 | -64.5% | 0.1% |
| Bell Bank | $1,010,000 | $705,000 | -30.2% | 0.1% |
| S1L, Inc. | $700,000 | n/a | 0.1% | |
| Farmers Bank & Trust | $1,060,000 | $685,000 | -35.4% | 0.1% |
| Plains Commerce Bank | $1,950,000 | $665,000 | -65.9% | 0.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $655,000 | n/a | 0.1% | |
| Unison Bank | $655,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $600,000 | n/a | 0.0% | |
| 5TH STREET CAPITAL, INC. | $585,000 | n/a | 0.0% | |
| Leader Bank | $585,000 | n/a | 0.0% | |
| BOKF | $355,000 | $575,000 | 62.0% | 0.0% |
| NEW DAY FINANCIAL, LLC | $515,000 | $565,000 | 9.7% | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $555,000 | n/a | 0.0% | |
| Midwest Bank | $555,000 | n/a | 0.0% | |
| FBC MORTGAGE, LLC | $545,000 | n/a | 0.0% | |
| Sunflower Bank | $545,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $545,000 | n/a | 0.0% | |
| American National Bank of Minnesota | $540,000 | n/a | 0.0% | |
| Ally Bank | $285,000 | $525,000 | 84.2% | 0.0% |
| First International Bank & Trust | $625,000 | $525,000 | -16.0% | 0.0% |
| HORIZON | $1,485,000 | $520,000 | -65.0% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $515,000 | n/a | 0.0% | |
| First Western Trust Bank | $725,000 | $515,000 | -29.0% | 0.0% |
| TrailWest Bank | $2,255,000 | $515,000 | -77.2% | 0.0% |
| IDAHO CENTRAL | $505,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $315,000 | $485,000 | 54.0% | 0.0% |
| Home Mortgage Alliance Corp | $485,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $85,000 | $485,000 | 470.6% | 0.0% |
| VILLAGE CAPITAL MORTGAGE | $485,000 | n/a | 0.0% | |
| PlainsCapital Bank | $475,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $445,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $225,000 | $425,000 | 88.9% | 0.0% |
| SPOKANE TEACHERS | $425,000 | n/a | 0.0% | |
| Meridian Trust Federal Credit Union | $405,000 | n/a | 0.0% | |
| Origin Bank | $405,000 | n/a | 0.0% | |
| GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION | $395,000 | n/a | 0.0% | |
| Quad City Bank and Trust Company | $385,000 | n/a | 0.0% | |
| NEW WAVE LENDING GROUP INC | $365,000 | n/a | 0.0% | |
| Centier Bank | $360,000 | n/a | 0.0% | |
| Toyota Financial Savings Bank | $355,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $275,000 | $345,000 | 25.5% | 0.0% |
| Watermark Capital, Inc. | $345,000 | n/a | 0.0% | |
| First National Bank of America | $325,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $325,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $305,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $440,000 | $275,000 | -37.5% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $65,000 | $255,000 | 292.3% | 0.0% |
| DELMAR FINANCIAL COMPANY | $255,000 | n/a | 0.0% | |
| WOODTRUST BANK | $255,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $450,000 | $250,000 | -44.4% | 0.0% |
| Network Funding, L.P. | $245,000 | n/a | 0.0% | |
| Firefighters First Federal Credit Union | $225,000 | n/a | 0.0% | |
| MOUNTAIN AMERICA | $2,430,000 | $225,000 | -90.7% | 0.0% |
| KeyBank | $505,000 | $215,000 | -57.4% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $315,000 | $215,000 | -31.7% | 0.0% |
| ALL IN | $205,000 | n/a | 0.0% | |
| SOUTHWEST STAGE FUNDING, LLC | $195,000 | n/a | 0.0% | |
| Baxter Credit Union | $460,000 | $155,000 | -66.3% | 0.0% |
| Solarity Credit Union | $105,000 | n/a | 0.0% | |
| SUN Federal Credit Union | $75,000 | n/a | 0.0% | |
| PLANET HOME LENDING, LLC | $875,000 | $45,000 | -94.9% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $620,000 | $35,000 | -94.4% | 0.0% |
Bozeman's top lender by overall market share is Stockman Bank of Montana, with 9.4% market share. In second place, with 8.9%, is GUARANTEED RATE, INC., having originated $107,645,000 in loans. In third place, with 8.0%, is Glacier Bank, having originated $97,260,000 in loans. In fourth place, with 4.7%, is JPMorgan Chase Bank, having originated $56,850,000 in loans. In fifth place, with 4.5%, is U.S. Bank, having originated $55,190,000 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 | $587,500 (0.4%) | $1,054,839 (-8.2%) | 0.00 | 612 |
| 2018-02-01 | $609,000 (1.7%) | $1,038,078 (-10.9%) | 0.00 | 592 |
| 2018-03-01 | $625,000 (10.6%) | $1,011,082 (-10.1%) | 0.00 | 564 |
| 2018-04-01 | $598,000 (-0.2%) | $967,599 (-15.8%) | 0.00 | 551 |
| 2018-05-01 | $597,225 (-5.1%) | $965,821 (-12.0%) | 0.00 | 567 |
| 2018-06-01 | $599,000 (0.4%) | $984,949 (-4.3%) | 0.00 | 651 |
| 2018-07-01 | $561,500 (-5.6%) | $943,222 (-10.4%) | 0.00 | 729 |
| 2018-08-01 | $544,000 (-6.2%) | $918,180 (-10.9%) | 0.00 | 739 |
| 2018-09-01 | $499,000 (-16.4%) | $898,572 (-14.4%) | 0.00 | 740 |
| 2018-10-01 | $489,925 (-18.4%) | $889,183 (-16.9%) | 0.00 | 725 |
| 2018-11-01 | $497,125 (-13.7%) | $932,468 (-10.6%) | 0.00 | 665 |
| 2018-12-01 | $525,000 (-9.3%) | $974,296 (-6.4%) | 0.00 | 638 |
| 2019-01-01 | $558,700 (-4.9%) | $1,084,402 (2.8%) | 0.00 | 584 |
| 2019-02-01 | $581,115 (-4.6%) | $1,098,115 (5.8%) | 0.00 | 550 |
| 2019-03-01 | $596,698 (-4.5%) | $1,107,555 (9.5%) | 0.00 | 547 |
| 2019-04-01 | $617,238 (3.2%) | $1,107,691 (14.5%) | 0.00 | 552 |
| 2019-05-01 | $609,225 (2.0%) | $1,064,761 (10.2%) | 0.00 | 583 |
| 2019-06-01 | $600,000 (0.2%) | $1,051,622 (6.8%) | 0.00 | 657 |
| 2019-07-01 | $611,238 (8.9%) | $1,067,480 (13.2%) | 0.00 | 725 |
| 2019-08-01 | $636,264 (17.0%) | $1,087,911 (18.5%) | 0.00 | 756 |
| 2019-09-01 | $615,809 (23.4%) | $1,083,516 (20.6%) | 0.00 | 772 |
| 2019-10-01 | $602,173 (22.9%) | $1,088,262 (22.4%) | 0.00 | 778 |
| 2019-11-01 | $599,900 (20.7%) | $1,111,600 (19.2%) | 0.00 | 723 |
| 2019-12-01 | $609,225 (16.0%) | $1,141,110 (17.1%) | 0.00 | 674 |
| 2020-01-01 | $622,850 (11.5%) | $1,232,843 (13.7%) | 0.00 | 619 |
| 2020-02-01 | $674,000 (16.0%) | $1,281,254 (16.7%) | 0.00 | 576 |
| 2020-03-01 | $649,000 (8.8%) | $1,238,848 (11.9%) | 0.00 | 582 |
| 2020-04-01 | $604,950 (-2.0%) | $1,210,484 (9.3%) | 0.00 | 653 |
| 2020-05-01 | $620,000 (1.8%) | $1,229,809 (15.5%) | 0.00 | 683 |
| 2020-06-01 | $734,500 (22.4%) | $1,340,088 (27.4%) | 0.00 | 658 |
| 2020-07-01 | $782,000 (27.9%) | $1,425,619 (33.6%) | 0.00 | 574 |
| 2020-08-01 | $844,000 (32.7%) | $1,499,579 (37.8%) | 0.00 | 489 |
| 2020-09-01 | $977,000 (58.7%) | $1,694,576 (56.4%) | 0.00 | 367 |
| 2020-10-01 | $967,250 (60.6%) | $1,754,379 (61.2%) | 0.00 | 313 |
| 2020-11-01 | $1,145,844 (91.0%) | $1,961,614 (76.5%) | 0.00 | 256 |
| 2020-12-01 | $1,208,000 (98.3%) | $2,086,545 (82.9%) | 0.00 | 242 |
| 2021-01-01 | $1,300,000 (108.7%) | $2,280,593 (85.0%) | 0.00 | 212 |
| 2021-02-01 | $1,317,700 (95.5%) | $2,397,430 (87.1%) | 0.00 | 192 |
| 2021-03-01 | $1,145,000 (76.4%) | $2,214,037 (78.7%) | 0.00 | 178 |
| 2021-04-01 | $988,000 (63.3%) | $2,083,180 (72.1%) | 0.00 | 178 |
| 2021-05-01 | $1,100,000 (77.4%) | $2,084,491 (69.5%) | 0.00 | 203 |
| 2021-06-01 | $965,000 (31.4%) | $1,879,519 (40.3%) | 0.00 | 274 |
| 2021-07-01 | $952,450 (21.8%) | $1,879,519 (31.8%) | 0.00 | 308 |
| 2021-08-01 | $862,000 (2.1%) | $1,792,376 (19.5%) | 0.00 | 333 |
| 2021-09-01 | $885,000 (-9.4%) | $2,040,309 (20.4%) | 0.00 | 324 |
| 2021-10-01 | $974,500 (0.8%) | $2,128,937 (21.4%) | 0.00 | 271 |
| 2021-11-01 | $1,345,000 (17.4%) | $2,786,440 (42.1%) | 0.00 | 220 |
| 2021-12-01 | $1,587,250 (31.4%) | $3,050,953 (46.2%) | 0.00 | 174 |
| 2022-01-01 | $1,850,000 (42.3%) | $3,342,200 (46.6%) | 0.00 | 150 |
| 2022-02-01 | $1,454,000 (10.3%) | $3,002,552 (25.2%) | 0.00 | 165 |
| 2022-03-01 | $1,445,000 (26.2%) | $2,651,269 (19.8%) | 0.00 | 179 |
| 2022-04-01 | $1,350,000 (36.6%) | $2,240,329 (7.5%) | 0.00 | 234 |
| 2022-05-01 | $1,054,975 (-4.1%) | $1,969,086 (-5.5%) | 0.00 | 328 |
| 2022-06-01 | $992,000 (2.8%) | $1,852,187 (-1.5%) | 0.00 | 449 |
| 2022-07-01 | $1,049,500 (10.2%) | $1,869,287 (-0.5%) | 0.00 | 582 |
| 2022-08-01 | $1,065,000 (23.6%) | $1,843,457 (2.9%) | 0.00 | 645 |
| 2022-09-01 | $1,010,000 (14.1%) | $1,868,541 (-8.4%) | 0.00 | 625 |
| 2022-10-01 | $995,000 (2.1%) | $1,828,075 (-14.1%) | 0.00 | 601 |
| 2022-11-01 | $995,000 (-26.0%) | $1,904,181 (-31.7%) | 0.00 | 551 |
| 2022-12-01 | $999,450 (-37.0%) | $1,961,170 (-35.7%) | 0.00 | 497 |
| 2023-01-01 | $1,149,725 (-37.9%) | $2,165,566 (-35.2%) | 0.00 | 454 |
| 2023-02-01 | $1,298,250 (-10.7%) | $2,279,802 (-24.1%) | 0.00 | 447 |
| 2023-03-01 | $1,306,250 (-9.6%) | $2,282,694 (-13.9%) | 0.00 | 436 |
| 2023-04-01 | $1,325,000 (-1.9%) | $2,217,396 (-1.0%) | 0.00 | 436 |
| 2023-05-01 | $1,299,250 (23.2%) | $2,171,186 (10.3%) | 0.00 | 453 |
| 2023-06-01 | $1,233,500 (24.3%) | $2,090,239 (12.9%) | 0.00 | 509 |
| 2023-07-01 | $1,265,000 (20.5%) | $2,230,592 (19.3%) | 0.00 | 575 |
| 2023-08-01 | $1,137,250 (6.8%) | $2,153,739 (16.8%) | 0.00 | 611 |
| 2023-09-01 | $1,050,000 (4.0%) | $2,193,537 (17.4%) | 0.00 | 621 |
| 2023-10-01 | $1,095,000 (10.1%) | $2,151,967 (17.7%) | 0.00 | 587 |
| 2023-11-01 | $1,098,500 (10.4%) | $2,264,361 (18.9%) | 0.00 | 539 |
| 2023-12-01 | $1,198,000 (19.9%) | $2,391,346 (21.9%) | 0.00 | 521 |
| 2024-01-01 | $1,243,750 (8.2%) | $2,522,851 (16.5%) | 0.00 | 486 |
| 2024-02-01 | $1,250,000 (-3.7%) | $2,502,640 (9.8%) | 0.00 | 488 |
| 2024-03-01 | $1,112,500 (-14.8%) | $2,419,985 (6.0%) | 0.00 | 513 |
| 2024-04-01 | $1,066,500 (-19.5%) | $2,256,185 (1.8%) | 0.00 | 573 |
| 2024-05-01 | $1,017,500 (-21.7%) | $2,101,808 (-3.2%) | 0.00 | 633 |
| 2024-06-01 | $990,000 (-19.7%) | $1,991,830 (-4.7%) | 0.00 | 735 |
| 2024-07-01 | $996,750 (-21.2%) | $2,066,488 (-7.4%) | 0.00 | 839 |
| 2024-08-01 | $995,000 (-12.5%) | $2,075,796 (-3.6%) | 0.00 | 847 |
| 2024-09-01 | $976,000 (-7.1%) | $2,049,606 (-6.6%) | 0.00 | 833 |
| 2024-10-01 | $962,450 (-12.1%) | $2,050,267 (-4.7%) | 0.00 | 802 |
| 2024-11-01 | $950,000 (-13.5%) | $2,161,454 (-4.5%) | 0.00 | 720 |
| 2024-12-01 | $950,000 (-20.7%) | $2,258,572 (-5.6%) | 0.00 | 628 |
| 2025-01-01 | $996,000 (-19.9%) | $2,413,531 (-4.3%) | 0.00 | 561 |
| 2025-02-01 | $1,014,125 (-18.9%) | $2,499,367 (-0.1%) | 0.00 | 531 |
| 2025-03-01 | $995,000 (-10.6%) | $2,376,317 (-1.8%) | 0.00 | 571 |
| 2025-04-01 | $972,750 (-8.8%) | $2,137,255 (-5.3%) | 0.00 | 639 |
| 2025-05-01 | $890,000 (-12.5%) | $1,753,196 (-16.6%) | 0.00 | 736 |
Bozeman's median listing price for 2025-05-01 was $890,000, a difference of
$-127,500
(-12.5%) versus the prior year and
$-82,750 versus the prior month.
Bozeman's median listing price comes in at 0% of the national average.
Bozeman's average listing price for 2025-05-01 was $1,753,196, a difference of $-348,612 (-16.6%) versus the prior year and $-384,059 versus the prior month.
For the 2025-05-01 period, Bozeman had 736 MLS listings, a difference of 97 listings (15%) versus the prior month and 103 listings (16%) versus the prior year.
Bozeman's median listing price comes in at 0% of the national average.
Bozeman's average listing price for 2025-05-01 was $1,753,196, a difference of $-348,612 (-16.6%) versus the prior year and $-384,059 versus the prior month.
For the 2025-05-01 period, Bozeman had 736 MLS listings, a difference of 97 listings (15%) versus the prior month and 103 listings (16%) 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 | 2,315 sqft |
| 2018-03-01 | 0 days | 2,355 sqft |
| 2018-04-01 | 0 days | 2,372 sqft |
| 2018-05-01 | 0 days | 2,413 sqft |
| 2018-06-01 | 0 days | 2,549 sqft |
| 2018-07-01 | 0 days | 2,552 sqft |
| 2018-08-01 | 0 days | 2,456 sqft |
| 2018-09-01 | 0 days | 2,307 sqft |
| 2018-10-01 | 0 days | 2,234 sqft |
| 2018-11-01 | 0 days | 2,291 sqft |
| 2018-12-01 | 0 days | 2,316 sqft |
| 2019-01-01 | 0 days | 2,317 sqft |
| 2019-02-01 | 0 days | 2,334 sqft |
| 2019-03-01 | 0 days | 2,358 sqft |
| 2019-04-01 | 0 days | 2,395 sqft |
| 2019-05-01 | 0 days | 2,351 sqft |
| 2019-06-01 | 0 days | 2,374 sqft |
| 2019-07-01 | 0 days | 2,386 sqft |
| 2019-08-01 | 0 days | 2,387 sqft |
| 2019-09-01 | 0 days | 2,336 sqft |
| 2019-10-01 | 0 days | 2,301 sqft |
| 2019-11-01 | 0 days | 2,286 sqft |
| 2019-12-01 | 0 days | 2,246 sqft |
| 2020-01-01 | 0 days | 2,245 sqft |
| 2020-02-01 | 0 days | 2,260 sqft |
| 2020-03-01 | 0 days | 2,256 sqft |
| 2020-04-01 | 0 days | 2,213 sqft |
| 2020-05-01 | 0 days | 2,241 sqft |
| 2020-06-01 | 0 days | 2,352 sqft |
| 2020-07-01 | 0 days | 2,432 sqft |
| 2020-08-01 | 0 days | 2,482 sqft |
| 2020-09-01 | 0 days | 2,531 sqft |
| 2020-10-01 | 0 days | 2,546 sqft |
| 2020-11-01 | 0 days | 2,549 sqft |
| 2020-12-01 | 0 days | 2,529 sqft |
| 2021-01-01 | 0 days | 2,625 sqft |
| 2021-02-01 | 0 days | 2,729 sqft |
| 2021-03-01 | 0 days | 2,755 sqft |
| 2021-04-01 | 0 days | 2,724 sqft |
| 2021-05-01 | 0 days | 2,794 sqft |
| 2021-06-01 | 0 days | 2,585 sqft |
| 2021-07-01 | 0 days | 2,544 sqft |
| 2021-08-01 | 0 days | 2,397 sqft |
| 2021-09-01 | 0 days | 2,405 sqft |
| 2021-10-01 | 0 days | 2,432 sqft |
| 2021-11-01 | 0 days | 2,897 sqft |
| 2021-12-01 | 0 days | 3,121 sqft |
| 2022-01-01 | 0 days | 3,089 sqft |
| 2022-02-01 | 0 days | 2,583 sqft |
| 2022-03-01 | 0 days | 2,447 sqft |
| 2022-04-01 | 0 days | 2,145 sqft |
| 2022-05-01 | 0 days | 2,245 sqft |
| 2022-06-01 | 0 days | 2,222 sqft |
| 2022-07-01 | 0 days | 2,304 sqft |
| 2022-08-01 | 0 days | 2,262 sqft |
| 2022-09-01 | 0 days | 2,337 sqft |
| 2022-10-01 | 0 days | 2,349 sqft |
| 2022-11-01 | 0 days | 2,340 sqft |
| 2022-12-01 | 0 days | 2,379 sqft |
| 2023-01-01 | 0 days | 2,404 sqft |
| 2023-02-01 | 0 days | 2,387 sqft |
| 2023-03-01 | 0 days | 2,418 sqft |
| 2023-04-01 | 0 days | 2,342 sqft |
| 2023-05-01 | 0 days | 2,350 sqft |
| 2023-06-01 | 0 days | 2,347 sqft |
| 2023-07-01 | 0 days | 2,437 sqft |
| 2023-08-01 | 0 days | 2,384 sqft |
| 2023-09-01 | 0 days | 2,346 sqft |
| 2023-10-01 | 0 days | 2,320 sqft |
| 2023-11-01 | 0 days | 2,198 sqft |
| 2023-12-01 | 0 days | 2,176 sqft |
| 2024-01-01 | 0 days | 2,151 sqft |
| 2024-02-01 | 0 days | 2,115 sqft |
| 2024-03-01 | 0 days | 2,084 sqft |
| 2024-04-01 | 0 days | 2,082 sqft |
| 2024-05-01 | 0 days | 2,087 sqft |
| 2024-06-01 | 0 days | 2,152 sqft |
| 2024-07-01 | 0 days | 2,173 sqft |
| 2024-08-01 | 0 days | 2,204 sqft |
| 2024-09-01 | 0 days | 2,197 sqft |
| 2024-10-01 | 0 days | 2,191 sqft |
| 2024-11-01 | 0 days | 2,180 sqft |
| 2024-12-01 | 0 days | 2,133 sqft |
| 2025-01-01 | 0 days | 2,175 sqft |
| 2025-02-01 | 0 days | 2,161 sqft |
| 2025-03-01 | 0 days | 2,180 sqft |
| 2025-04-01 | 0 days | 2,070 sqft |
| 2025-05-01 | 0 days | 2,041 sqft |
Bozeman's median listing age (time on market) for 2025-05-01 was 0 days.
Bozeman's median square footage for active listings during the 2025-05-01 period was 2,041 sqft. One year prior, the average listing was 2,087 sqft.
Bozeman's median square footage for active listings during the 2025-05-01 period was 2,041 sqft. One year prior, the average listing was 2,087 sqft.
Bozeman, MT Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,385 | $882,215,000 | $636,978 |
| Refi | 241 | $107,065,000 | $444,253 |
| Cash Out Refi | 229 | $126,075,000 | $550,546 |
| Other | 220 | $71,790,000 | $326,318 |
| Home Improvement | 179 | $28,205,000 | $157,570 |
Bozeman's most frequently cited loan purpose was Home Purchase, with 1,385 originations. The 2nd most popular reason was Refi, with 241 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 896 | $521,210,000 | $581,708 |
| 7-8% | 500 | $264,660,000 | $529,320 |
| Over 8% | 436 | $107,330,000 | $246,170 |
| 5-6% | 310 | $228,200,000 | $736,129 |
| 4-5% | 14 | $27,900,000 | $1,992,857 |
| 3-4% | 3 | $6,175,000 | $2,058,333 |
| 2.5-3% | 3 | $1,705,000 | $568,333 |
| <2.5% | 2 | $570,000 | $285,000 |
During 2024, Bozeman's most frequently originated rate bucket was 6-7%, with 896 originations.
Loan Sizing (Bozeman, MT MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $400k-600k | 618 | $303,670,000 | $491,375 |
| $200k-400k | 561 | $173,095,000 | $308,547 |
| $600k-1000k | 389 | $285,825,000 | $734,769 |
| $100,000 or less | 260 | $15,210,000 | $58,500 |
| $100k-200k | 244 | $34,080,000 | $139,672 |
| $Over $1MM | 182 | $403,470,000 | $2,216,868 |
Bozeman's loan sizing saw the bucket of loans from $400k-600k with 618 originations, totaling $303,670,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 557 | $431,865,000 | $775,341 |
| 80-100% | 546 | $325,810,000 | $596,722 |
| Under 20% | 422 | $60,270,000 | $142,820 |
| 40-60% | 299 | $200,145,000 | $669,381 |
| 20-40% | 292 | $117,710,000 | $403,116 |
| Over 100% | 22 | $13,500,000 | $613,636 |
Bozeman's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 557 originations, totaling $431,865,000 in origination value.