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.).
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.
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'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.