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
6.68%
for the week of 2024-12-12, compared to the national average of
6.6% for the same period.
The average rate for the prior week (2024-12-05) was
6.67% and
one month ago for the week of 2024-11-07, the
average rate was 6.77%.
Bozeman's average rate one year ago was 7.01%.
For refis of the same type during the week of 2024-12-12, the average rate
was 6.8%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-12-12 | 6.6% |
| Bozeman 30 Year Fixed Rate | 2024-12-12 | 6.68% |
| Bozeman 30 Year Fixed Rate Refi | 2024-12-12 | 6.8% |
| Bozeman 15 Year Fixed Rate | 2024-12-12 | 6.04% |
| Bozeman 15 Year Fixed Rate Refi | 2024-12-12 | 6.34% |
| Bozeman 30 Year FHA | 2024-12-12 | 5.72% |
| Bozeman 30 Year FHA Refi | 2024-12-12 | 6.18% |
| Bozeman 30 Year USDA | 2024-12-12 | 6.4% |
| Bozeman 30 Year USDA Refi | 2024-12-12 | 6.5% |
| Bozeman 30 Year VA | 2024-12-12 | 5.77% |
| Bozeman 30 Year VA Refi | 2024-12-12 | 6.08% |
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 121 lenders originated 2,085
loans during 2023. The total origination value was $1,164,895,000, with an average loan value of
$558,703.
Bozeman's average closing costs are $6,281.
The top Bozeman lender as defined by loan originations is GUARANTEED RATE, INC., with
95 loans originated. Their average total fees are
$5,897, which is $4,927
lower than the next largest lender,
Stockman Bank of Montana.
The lowest fee Bozeman lenders (with over 10 loans originated) are
Morgan Stanley Private Bank ($5,299), Wells Fargo Bank ($5,516), GUARANTEED RATE, INC. ($5,897), Flanagan State Bank ($6,435) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($8,065).
The lowest rate Bozeman lenders (with over 10 loans originated) are
Morgan Stanley Private Bank (5.75%), Opportunity Bank of Montana (6.36%), Flagstar Bank, FSB (6.36%), JPMorgan Chase Bank (6.38%) and U.S. Bank (6.44%).
Bozeman, MT Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| Glacier Bank | $246,695,000 | $96,280,000 | -61.0% | 8.3% |
| Stockman Bank of Montana | $131,960,000 | $71,420,000 | -45.9% | 6.1% |
| GUARANTEED RATE, INC. | $68,405,000 | $63,975,000 | -6.5% | 5.5% |
| Citibank | $75,990,000 | $62,035,000 | -18.4% | 5.3% |
| U.S. Bank | $106,825,000 | $58,585,000 | -45.2% | 5.0% |
| Opportunity Bank of Montana | $81,300,000 | $54,875,000 | -32.5% | 4.7% |
| First Interstate Bank | $143,940,000 | $50,650,000 | -64.8% | 4.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $36,975,000 | $40,640,000 | 9.9% | 3.5% |
| CORNERSTONE HOME LENDING, INC. | $60,255,000 | $40,315,000 | -33.1% | 3.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $24,615,000 | $33,395,000 | 35.7% | 2.9% |
| JPMorgan Chase Bank | $104,875,000 | $31,925,000 | -69.6% | 2.7% |
| Morgan Stanley Private Bank | $47,010,000 | $28,890,000 | -38.5% | 2.5% |
| UBS Bank USA | $21,440,000 | $24,970,000 | 16.5% | 2.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $48,910,000 | $23,375,000 | -52.2% | 2.0% |
| GoPrime Mortgage, Inc. | $44,685,000 | $22,800,000 | -49.0% | 2.0% |
| First-Citizens Bank & Trust Company | $22,690,000 | n/a | 1.9% | |
| QUICKEN LOANS, LLC | $42,510,000 | $22,650,000 | -46.7% | 1.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $37,285,000 | $20,500,000 | -45.0% | 1.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $31,770,000 | $19,790,000 | -37.7% | 1.7% |
| Bank of America | $68,845,000 | $16,585,000 | -75.9% | 1.4% |
| JONES LANG LASALLE MULTIFAMILY, LLC | $15,005,000 | n/a | 1.3% | |
| GUILD MORTGAGE COMPANY | $3,915,000 | $12,900,000 | 229.5% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $9,510,000 | $12,750,000 | 34.1% | 1.1% |
| Flagstar Bank, FSB | $25,110,000 | $11,535,000 | -54.1% | 1.0% |
| Flanagan State Bank | $15,055,000 | $10,155,000 | -32.5% | 0.9% |
| CALCON MUTUAL MORTGAGE LLC | $9,975,000 | n/a | 0.9% | |
| Wells Fargo Bank | $57,265,000 | $8,820,000 | -84.6% | 0.8% |
| Raymond James Bank | $15,970,000 | $8,690,000 | -45.6% | 0.7% |
| PNC Bank | $20,755,000 | $8,590,000 | -58.6% | 0.7% |
| CMG MORTGAGE, INC. | $14,890,000 | $8,485,000 | -43.0% | 0.7% |
| Stifel Bank and Trust | $15,560,000 | $8,360,000 | -46.3% | 0.7% |
| Wintrust Bank, N.A. | $8,125,000 | n/a | 0.7% | |
| BMO Harris Bank | $4,590,000 | $6,640,000 | 44.7% | 0.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $215,000 | $6,525,000 | 2,934.9% | 0.6% |
| HomeStreet Bank | $6,005,000 | n/a | 0.5% | |
| NAVY FEDERAL CREDIT UNION | $2,090,000 | $5,600,000 | 167.9% | 0.5% |
| Charles Schwab Bank, SSB | $15,220,000 | $5,175,000 | -66.0% | 0.4% |
| Alerus Financial | $5,005,000 | n/a | 0.4% | |
| Mortgage Research Center, LLC | $5,665,000 | $4,715,000 | -16.8% | 0.4% |
| The Central Trust Bank | $1,050,000 | $4,310,000 | 310.5% | 0.4% |
| LOANDEPOT.COM, LLC | $17,250,000 | $4,125,000 | -76.1% | 0.4% |
| Prosperity Home Mortgage, LLC | $4,105,000 | n/a | 0.4% | |
| CIBC Bank USA | $5,085,000 | $4,005,000 | -21.2% | 0.3% |
| MANN FINANCIAL INC. | $5,945,000 | $3,945,000 | -33.6% | 0.3% |
| Century Mortgage Company DBA Century Lending Company | $1,055,000 | $3,185,000 | 201.9% | 0.3% |
| CHERRY CREEK MORTGAGE, LLC | $14,305,000 | $3,180,000 | -77.8% | 0.3% |
| American Mortgage & Equity Consultants, Inc. | $2,840,000 | n/a | 0.2% | |
| V.I.P. MORTGAGE, INC. | $265,000 | $2,835,000 | 969.8% | 0.2% |
| The Huntington National Bank | $2,035,000 | $2,730,000 | 34.2% | 0.2% |
| USAA Federal Savings Bank | $1,630,000 | $2,690,000 | 65.0% | 0.2% |
| First Montana Bank, Inc. | $2,005,000 | $2,655,000 | 32.4% | 0.2% |
| First Horizon Bank | $805,000 | $2,560,000 | 218.0% | 0.2% |
| NEWREZ LLC | $2,615,000 | $2,540,000 | -2.9% | 0.2% |
| BNY Mellon | $10,985,000 | $2,515,000 | -77.1% | 0.2% |
| Bank of England | $3,545,000 | $2,495,000 | -29.6% | 0.2% |
| MOUNTAIN AMERICA | $17,450,000 | $2,430,000 | -86.1% | 0.2% |
| Renasant Bank | $13,425,000 | $2,365,000 | -82.4% | 0.2% |
| EVERETT FINANCIAL, INC. | $1,235,000 | $2,310,000 | 87.0% | 0.2% |
| FREEDOM MORTGAGE CORPORATION | $7,430,000 | $2,305,000 | -69.0% | 0.2% |
| TrailWest Bank | $560,000 | $2,255,000 | 302.7% | 0.2% |
| Northpointe Bank | $1,120,000 | $2,190,000 | 95.5% | 0.2% |
| Goldman Sachs Bank USA | $11,015,000 | $2,105,000 | -80.9% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $2,105,000 | n/a | 0.2% | |
| First Republic Bank | $80,270,000 | $2,050,000 | -97.4% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $14,275,000 | $2,050,000 | -85.6% | 0.2% |
| Fidelity Bank | $2,005,000 | n/a | 0.2% | |
| St Charles Bank & Trust | $2,005,000 | n/a | 0.2% | |
| AMERISAVE MORTGAGE CORPORATION | $9,705,000 | $1,985,000 | -79.5% | 0.2% |
| Plains Commerce Bank | $2,110,000 | $1,950,000 | -7.6% | 0.2% |
| BLUE SKY BANK | $1,915,000 | n/a | 0.2% | |
| MOVEMENT MORTGAGE, LLC | $1,315,000 | $1,840,000 | 39.9% | 0.2% |
| LENDSURE MORTGAGE CORP. | $2,470,000 | $1,770,000 | -28.3% | 0.2% |
| TENNESSEE VALLEY | $1,745,000 | n/a | 0.1% | |
| CALIBER HOME LOANS, INC. | $14,150,000 | $1,725,000 | -87.8% | 0.1% |
| TrustCo Bank | $1,705,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $495,000 | $1,700,000 | 243.4% | 0.1% |
| LIMA ONE CAPITAL, LLC | $1,300,000 | $1,640,000 | 26.2% | 0.1% |
| AXIA FINANCIAL, LLC | $475,000 | $1,580,000 | 232.6% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $1,185,000 | $1,575,000 | 32.9% | 0.1% |
| Hiawatha National Bank | $1,535,000 | n/a | 0.1% | |
| VALLEY FINANCIAL CREDIT UNION | $1,505,000 | $1,530,000 | 1.7% | 0.1% |
| HORIZON | $1,210,000 | $1,485,000 | 22.7% | 0.1% |
| NEXERA HOLDING LLC | $1,400,000 | n/a | 0.1% | |
| Citizens Bank | $920,000 | $1,395,000 | 51.6% | 0.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,385,000 | n/a | 0.1% | |
| NBKC BANK | $2,990,000 | $1,375,000 | -54.0% | 0.1% |
| OCMBC, INC. | $1,305,000 | n/a | 0.1% | |
| Figure Lending LLC | $1,350,000 | $1,300,000 | -3.7% | 0.1% |
| North Shore Bank of Commerce | $1,205,000 | n/a | 0.1% | |
| The Park National Bank | $1,205,000 | n/a | 0.1% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $1,195,000 | n/a | 0.1% | |
| Mr. Cooper ( Nationstar Mortgage ) | $6,150,000 | $1,180,000 | -80.8% | 0.1% |
| AMERICAN FINANCING CORPORATION | $2,015,000 | $1,170,000 | -41.9% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,170,000 | n/a | 0.1% | |
| Discover Bank | $1,540,000 | $1,095,000 | -28.9% | 0.1% |
| Farmers Bank & Trust | $1,060,000 | n/a | 0.1% | |
| Johnson Bank | $1,060,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $6,265,000 | $1,040,000 | -83.4% | 0.1% |
| EMBRACE HOME LOANS, INC. | $1,020,000 | n/a | 0.1% | |
| Bell Bank | $1,010,000 | n/a | 0.1% | |
| CRESCENT MORTGAGE COMPANY | $1,010,000 | n/a | 0.1% | |
| First Savings Bank | $375,000 | $980,000 | 161.3% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $3,970,000 | $975,000 | -75.4% | 0.1% |
| GEORGIA'S OWN | $875,000 | $960,000 | 9.7% | 0.1% |
| The Federal Savings Bank | $1,645,000 | $915,000 | -44.4% | 0.1% |
| PLANET HOME LENDING, LLC | $2,120,000 | $875,000 | -58.7% | 0.1% |
| First Federal Bank | $860,000 | n/a | 0.1% | |
| INTERCAP LENDING INC. | $805,000 | n/a | 0.1% | |
| Ixonia Bank | $760,000 | n/a | 0.1% | |
| ALLIANT CREDIT UNION | $1,245,000 | $745,000 | -40.2% | 0.1% |
| First Bank | $725,000 | n/a | 0.1% | |
| First Western Trust Bank | $10,645,000 | $725,000 | -93.2% | 0.1% |
| TOWNE MORTGAGE COMPANY | $725,000 | n/a | 0.1% | |
| SIRVA MORTGAGE, INC. | $535,000 | $715,000 | 33.6% | 0.1% |
| Carrington Mortgage Services, LLC | $695,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $685,000 | n/a | 0.1% | |
| BROKER SOLUTIONS, INC. | $2,925,000 | $655,000 | -77.6% | 0.1% |
| Commerce Bank | $655,000 | n/a | 0.1% | |
| F&A Federal Credit Union | $625,000 | n/a | 0.1% | |
| First International Bank & Trust | $740,000 | $625,000 | -15.5% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $620,000 | n/a | 0.1% | |
| NBH Bank | $605,000 | n/a | 0.1% | |
| COMPEER FINANCIAL, FLCA | $595,000 | n/a | 0.1% | |
| MEGASTAR FINANCIAL CORP. | $1,605,000 | $595,000 | -62.9% | 0.1% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $5,915,000 | $585,000 | -90.1% | 0.1% |
| DRAPER AND KRAMER MORTGAGE CORP. | $575,000 | n/a | 0.0% | |
| BNC National Bank | $1,565,000 | $555,000 | -64.5% | 0.0% |
| ZILLOW HOME LOANS, LLC | $510,000 | $555,000 | 8.8% | 0.0% |
| City National Bank | $11,715,000 | $545,000 | -95.3% | 0.0% |
| Northwest Farm Credit Services, FLCA | $545,000 | n/a | 0.0% | |
| Heritage Bank | $535,000 | n/a | 0.0% | |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $535,000 | n/a | 0.0% | |
| Bank of Utah | $525,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $395,000 | $525,000 | 32.9% | 0.0% |
| NEW DAY FINANCIAL, LLC | $725,000 | $515,000 | -29.0% | 0.0% |
| KeyBank | $10,735,000 | $505,000 | -95.3% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $505,000 | n/a | 0.0% | |
| LAKEVIEW LOAN SERVICING, LLC | $2,885,000 | $490,000 | -83.0% | 0.0% |
| Truist | $7,075,000 | $490,000 | -93.1% | 0.0% |
| Citizens Bank Minnesota | $485,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $465,000 | n/a | 0.0% | |
| GTE Federal Credit Union | $155,000 | $465,000 | 200.0% | 0.0% |
| Baxter Credit Union | $460,000 | n/a | 0.0% | |
| Northwest Bank | $455,000 | n/a | 0.0% | |
| Servion, Inc. | $800,000 | $455,000 | -43.1% | 0.0% |
| 21ST MORTGAGE CORPORATION | $330,000 | $450,000 | 36.4% | 0.0% |
| SPRING EQ, LLC | $1,840,000 | $440,000 | -76.1% | 0.0% |
| Magnolia Bank | $435,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $1,645,000 | $435,000 | -73.6% | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $570,000 | $405,000 | -28.9% | 0.0% |
| Washington County Bank | $405,000 | n/a | 0.0% | |
| SOVEREIGN LENDING GROUP INCORPORATED | $395,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $385,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $245,000 | $365,000 | 49.0% | 0.0% |
| BOKF | $5,205,000 | $355,000 | -93.2% | 0.0% |
| STAR ONE CREDIT UNION | $355,000 | n/a | 0.0% | |
| ADVANCIAL | $2,405,000 | $345,000 | -85.7% | 0.0% |
| First New Mexico Bank, Las Cruces | $335,000 | n/a | 0.0% | |
| HSBC BANK USA, NATIONAL ASSOCIATION | $325,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $325,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $315,000 | n/a | 0.0% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,420,000 | $315,000 | -77.8% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $135,000 | $315,000 | 133.3% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $1,055,000 | $315,000 | -70.1% | 0.0% |
| KELLER MORTGAGE, LLC | $1,620,000 | $305,000 | -81.2% | 0.0% |
| RANLIFE, INC. | $305,000 | n/a | 0.0% | |
| VERITAS FUNDING, LLC | $285,000 | $295,000 | 3.5% | 0.0% |
| Ally Bank | $11,065,000 | $285,000 | -97.4% | 0.0% |
| AmeriHome Mortgage Company, LLC | $275,000 | n/a | 0.0% | |
| CHEVRON | $415,000 | $255,000 | -38.6% | 0.0% |
| Hometown Equity Mortgage, LLC | $1,055,000 | $255,000 | -75.8% | 0.0% |
| THRIVENT Federal Credit Union | $255,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $2,635,000 | $225,000 | -91.5% | 0.0% |
| USAlliance Federal Credit Union | $175,000 | n/a | 0.0% | |
| RELIANCE FIRST CAPITAL, LLC | $155,000 | n/a | 0.0% | |
| West Gate Bank | $115,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $230,000 | $85,000 | -63.0% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $35,000 | $65,000 | 85.7% | 0.0% |
| Citizens Alliance Bank | $510,000 | $55,000 | -89.2% | 0.0% |
Bozeman's top lender by overall market share is Glacier Bank, with 8.3% market share. In second place, with 6.1%, is Stockman Bank of Montana, having originated $71,420,000 in loans. In third place, with 5.5%, is GUARANTEED RATE, INC., having originated $63,975,000 in loans. In fourth place, with 5.3%, is Citibank, having originated $62,035,000 in loans. In fifth place, with 5.0%, is U.S. Bank, having originated $58,585,000 in loans.
Bozeman Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Bozeman (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $581,900 (-0.3%) | $1,050,338 (-8.2%) | 0.00 | 617 |
| 2018-02-01 | $598,225 (1.1%) | $1,029,678 (-10.7%) | 0.00 | 598 |
| 2018-03-01 | $612,500 (9.7%) | $1,006,336 (-9.7%) | 0.00 | 569 |
| 2018-04-01 | $597,000 (-0.3%) | $961,326 (-15.7%) | 0.00 | 554 |
| 2018-05-01 | $591,925 (-5.6%) | $958,986 (-12.1%) | 0.00 | 573 |
| 2018-06-01 | $595,000 (0.5%) | $972,574 (-5.0%) | 0.00 | 663 |
| 2018-07-01 | $554,500 (-6.8%) | $933,980 (-10.9%) | 0.00 | 741 |
| 2018-08-01 | $534,463 (-6.9%) | $907,720 (-11.3%) | 0.00 | 754 |
| 2018-09-01 | $499,000 (-16.1%) | $887,255 (-15.0%) | 0.00 | 758 |
| 2018-10-01 | $485,750 (-19.0%) | $877,310 (-17.5%) | 0.00 | 744 |
| 2018-11-01 | $492,450 (-13.4%) | $918,089 (-11.5%) | 0.00 | 682 |
| 2018-12-01 | $499,900 (-13.4%) | $959,959 (-7.3%) | 0.00 | 654 |
| 2019-01-01 | $549,250 (-5.6%) | $1,069,816 (1.9%) | 0.00 | 597 |
| 2019-02-01 | $571,350 (-4.5%) | $1,085,527 (5.4%) | 0.00 | 561 |
| 2019-03-01 | $585,100 (-4.5%) | $1,096,955 (9.0%) | 0.00 | 557 |
| 2019-04-01 | $599,900 (0.5%) | $1,097,650 (14.2%) | 0.00 | 561 |
| 2019-05-01 | $599,450 (1.3%) | $1,054,601 (10.0%) | 0.00 | 593 |
| 2019-06-01 | $599,950 (0.8%) | $1,046,135 (7.6%) | 0.00 | 662 |
| 2019-07-01 | $607,363 (9.5%) | $1,063,479 (13.9%) | 0.00 | 729 |
| 2019-08-01 | $635,691 (18.9%) | $1,082,346 (19.2%) | 0.00 | 764 |
| 2019-09-01 | $615,052 (23.3%) | $1,076,289 (21.3%) | 0.00 | 781 |
| 2019-10-01 | $599,450 (23.4%) | $1,079,393 (23.0%) | 0.00 | 789 |
| 2019-11-01 | $599,000 (21.6%) | $1,103,537 (20.2%) | 0.00 | 732 |
| 2019-12-01 | $592,450 (18.5%) | $1,131,483 (17.9%) | 0.00 | 682 |
| 2020-01-01 | $607,450 (10.6%) | $1,220,964 (14.1%) | 0.00 | 628 |
| 2020-02-01 | $669,700 (17.2%) | $1,270,150 (17.0%) | 0.00 | 583 |
| 2020-03-01 | $643,225 (9.9%) | $1,229,442 (12.1%) | 0.00 | 588 |
| 2020-04-01 | $604,000 (0.7%) | $1,200,537 (9.4%) | 0.00 | 660 |
| 2020-05-01 | $619,000 (3.3%) | $1,221,338 (15.8%) | 0.00 | 691 |
| 2020-06-01 | $727,000 (21.2%) | $1,331,907 (27.3%) | 0.00 | 665 |
| 2020-07-01 | $777,000 (27.9%) | $1,416,029 (33.2%) | 0.00 | 580 |
| 2020-08-01 | $819,900 (29.0%) | $1,481,117 (36.8%) | 0.00 | 495 |
| 2020-09-01 | $959,500 (56.0%) | $1,685,507 (56.6%) | 0.00 | 373 |
| 2020-10-01 | $954,750 (59.3%) | $1,741,304 (61.3%) | 0.00 | 319 |
| 2020-11-01 | $1,120,663 (87.1%) | $1,934,802 (75.3%) | 0.00 | 263 |
| 2020-12-01 | $1,188,250 (100.6%) | $2,039,610 (80.3%) | 0.00 | 252 |
| 2021-01-01 | $1,300,000 (114.0%) | $2,237,352 (83.2%) | 0.00 | 219 |
| 2021-02-01 | $1,296,250 (93.6%) | $2,329,144 (83.4%) | 0.00 | 202 |
| 2021-03-01 | $1,053,750 (63.8%) | $2,158,491 (75.6%) | 0.00 | 185 |
| 2021-04-01 | $949,500 (57.2%) | $2,037,895 (69.8%) | 0.00 | 183 |
| 2021-05-01 | $1,099,000 (77.5%) | $2,067,993 (69.3%) | 0.00 | 206 |
| 2021-06-01 | $964,975 (32.7%) | $1,880,699 (41.2%) | 0.00 | 280 |
| 2021-07-01 | $949,950 (22.3%) | $1,883,053 (33.0%) | 0.00 | 317 |
| 2021-08-01 | $860,000 (4.9%) | $1,799,526 (21.5%) | 0.00 | 341 |
| 2021-09-01 | $872,250 (-9.1%) | $2,044,492 (21.3%) | 0.00 | 334 |
| 2021-10-01 | $950,000 (-0.5%) | $2,121,536 (21.8%) | 0.00 | 281 |
| 2021-11-01 | $1,288,500 (15.0%) | $2,734,004 (41.3%) | 0.00 | 225 |
| 2021-12-01 | $1,516,250 (27.6%) | $2,994,937 (46.8%) | 0.00 | 181 |
| 2022-01-01 | $1,849,950 (42.3%) | $3,312,909 (48.1%) | 0.00 | 152 |
| 2022-02-01 | $1,405,250 (8.4%) | $2,972,632 (27.6%) | 0.00 | 169 |
| 2022-03-01 | $1,406,000 (33.4%) | $2,648,782 (22.7%) | 0.00 | 186 |
| 2022-04-01 | $1,297,000 (36.6%) | $2,233,404 (9.6%) | 0.00 | 242 |
| 2022-05-01 | $1,046,950 (-4.7%) | $1,972,334 (-4.6%) | 0.00 | 337 |
| 2022-06-01 | $989,000 (2.5%) | $1,858,815 (-1.2%) | 0.00 | 456 |
| 2022-07-01 | $999,997 (5.3%) | $1,854,733 (-1.5%) | 0.00 | 597 |
| 2022-08-01 | $999,500 (16.2%) | $1,826,157 (1.5%) | 0.00 | 668 |
| 2022-09-01 | $998,875 (14.5%) | $1,849,016 (-9.6%) | 0.00 | 648 |
| 2022-10-01 | $979,900 (3.2%) | $1,813,553 (-14.5%) | 0.00 | 628 |
| 2022-11-01 | $975,000 (-24.3%) | $1,874,646 (-31.4%) | 0.00 | 577 |
| 2022-12-01 | $995,000 (-34.4%) | $1,929,297 (-35.6%) | 0.00 | 523 |
| 2023-01-01 | $1,095,000 (-40.8%) | $2,103,091 (-36.5%) | 0.00 | 479 |
| 2023-02-01 | $1,227,250 (-12.7%) | $2,206,227 (-25.8%) | 0.00 | 471 |
| 2023-03-01 | $1,256,250 (-10.7%) | $2,206,170 (-16.7%) | 0.00 | 459 |
| 2023-04-01 | $1,287,500 (-0.7%) | $2,154,307 (-3.5%) | 0.00 | 456 |
| 2023-05-01 | $1,238,000 (18.3%) | $2,118,535 (7.4%) | 0.00 | 468 |
| 2023-06-01 | $1,200,000 (21.3%) | $2,059,543 (10.8%) | 0.00 | 521 |
| 2023-07-01 | $1,200,000 (20.0%) | $2,201,506 (18.7%) | 0.00 | 587 |
| 2023-08-01 | $1,097,500 (9.8%) | $2,118,420 (16.0%) | 0.00 | 629 |
| 2023-09-01 | $999,750 (0.1%) | $2,152,457 (16.4%) | 0.00 | 640 |
| 2023-10-01 | $1,018,000 (3.9%) | $2,116,451 (16.7%) | 0.00 | 603 |
| 2023-11-01 | $1,074,250 (10.2%) | $2,225,737 (18.7%) | 0.00 | 555 |
| 2023-12-01 | $1,175,000 (18.1%) | $2,354,857 (22.1%) | 0.00 | 533 |
| 2024-01-01 | $1,196,000 (9.2%) | $2,478,024 (17.8%) | 0.00 | 500 |
| 2024-02-01 | $1,197,000 (-2.5%) | $2,463,254 (11.7%) | 0.00 | 501 |
| 2024-03-01 | $1,099,000 (-12.5%) | $2,388,520 (8.3%) | 0.00 | 524 |
| 2024-04-01 | $1,026,000 (-20.3%) | $2,228,122 (3.4%) | 0.00 | 584 |
| 2024-05-01 | $996,875 (-19.5%) | $2,070,706 (-2.3%) | 0.00 | 648 |
| 2024-06-01 | $985,000 (-17.9%) | $1,988,812 (-3.4%) | 0.00 | 753 |
| 2024-07-01 | $995,000 (-17.1%) | $2,039,971 (-7.3%) | 0.00 | 858 |
| 2024-08-01 | $988,250 (-10.0%) | $2,048,032 (-3.3%) | 0.00 | 861 |
| 2024-09-01 | $957,000 (-4.3%) | $2,026,536 (-5.9%) | 0.00 | 850 |
| 2024-10-01 | $941,125 (-7.6%) | $2,023,706 (-4.4%) | 0.00 | 819 |
| 2024-11-01 | $932,450 (-13.2%) | $2,129,950 (-4.3%) | 0.00 | 734 |
Bozeman's median listing price for 2024-11-01 was $932,450, a difference of
$-141,800
(-13.2%) versus the prior year and
$-8,675 versus the prior month.
Bozeman's median listing price comes in at 0% of the national average.
Bozeman's average listing price for 2024-11-01 was $2,129,950, a difference of $-95,787 (-4.3%) versus the prior year and $106,244 versus the prior month.
For the 2024-11-01 period, Bozeman had 734 MLS listings, a difference of -85 listings (-10%) versus the prior month and 179 listings (32%) versus the prior year.
Bozeman's median listing price comes in at 0% of the national average.
Bozeman's average listing price for 2024-11-01 was $2,129,950, a difference of $-95,787 (-4.3%) versus the prior year and $106,244 versus the prior month.
For the 2024-11-01 period, Bozeman had 734 MLS listings, a difference of -85 listings (-10%) versus the prior month and 179 listings (32%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Bozeman (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 2,353 sqft |
| 2018-02-01 | 0 days | 2,306 sqft |
| 2018-03-01 | 0 days | 2,349 sqft |
| 2018-04-01 | 0 days | 2,355 sqft |
| 2018-05-01 | 0 days | 2,405 sqft |
| 2018-06-01 | 0 days | 2,528 sqft |
| 2018-07-01 | 0 days | 2,546 sqft |
| 2018-08-01 | 0 days | 2,442 sqft |
| 2018-09-01 | 0 days | 2,310 sqft |
| 2018-10-01 | 0 days | 2,238 sqft |
| 2018-11-01 | 0 days | 2,289 sqft |
| 2018-12-01 | 0 days | 2,310 sqft |
| 2019-01-01 | 0 days | 2,314 sqft |
| 2019-02-01 | 0 days | 2,335 sqft |
| 2019-03-01 | 0 days | 2,354 sqft |
| 2019-04-01 | 0 days | 2,378 sqft |
| 2019-05-01 | 0 days | 2,346 sqft |
| 2019-06-01 | 0 days | 2,379 sqft |
| 2019-07-01 | 0 days | 2,382 sqft |
| 2019-08-01 | 0 days | 2,386 sqft |
| 2019-09-01 | 0 days | 2,334 sqft |
| 2019-10-01 | 0 days | 2,301 sqft |
| 2019-11-01 | 0 days | 2,285 sqft |
| 2019-12-01 | 0 days | 2,245 sqft |
| 2020-01-01 | 0 days | 2,236 sqft |
| 2020-02-01 | 0 days | 2,256 sqft |
| 2020-03-01 | 0 days | 2,255 sqft |
| 2020-04-01 | 0 days | 2,208 sqft |
| 2020-05-01 | 0 days | 2,237 sqft |
| 2020-06-01 | 0 days | 2,354 sqft |
| 2020-07-01 | 0 days | 2,433 sqft |
| 2020-08-01 | 0 days | 2,478 sqft |
| 2020-09-01 | 0 days | 2,526 sqft |
| 2020-10-01 | 0 days | 2,539 sqft |
| 2020-11-01 | 0 days | 2,540 sqft |
| 2020-12-01 | 0 days | 2,503 sqft |
| 2021-01-01 | 0 days | 2,586 sqft |
| 2021-02-01 | 0 days | 2,698 sqft |
| 2021-03-01 | 0 days | 2,735 sqft |
| 2021-04-01 | 0 days | 2,695 sqft |
| 2021-05-01 | 0 days | 2,773 sqft |
| 2021-06-01 | 0 days | 2,591 sqft |
| 2021-07-01 | 0 days | 2,525 sqft |
| 2021-08-01 | 0 days | 2,370 sqft |
| 2021-09-01 | 0 days | 2,381 sqft |
| 2021-10-01 | 0 days | 2,428 sqft |
| 2021-11-01 | 0 days | 2,861 sqft |
| 2021-12-01 | 0 days | 2,998 sqft |
| 2022-01-01 | 0 days | 3,087 sqft |
| 2022-02-01 | 0 days | 2,567 sqft |
| 2022-03-01 | 0 days | 2,429 sqft |
| 2022-04-01 | 0 days | 2,139 sqft |
| 2022-05-01 | 0 days | 2,243 sqft |
| 2022-06-01 | 0 days | 2,226 sqft |
| 2022-07-01 | 0 days | 2,301 sqft |
| 2022-08-01 | 0 days | 2,272 sqft |
| 2022-09-01 | 0 days | 2,343 sqft |
| 2022-10-01 | 0 days | 2,376 sqft |
| 2022-11-01 | 0 days | 2,350 sqft |
| 2022-12-01 | 0 days | 2,389 sqft |
| 2023-01-01 | 0 days | 2,402 sqft |
| 2023-02-01 | 0 days | 2,374 sqft |
| 2023-03-01 | 0 days | 2,400 sqft |
| 2023-04-01 | 0 days | 2,346 sqft |
| 2023-05-01 | 0 days | 2,352 sqft |
| 2023-06-01 | 0 days | 2,383 sqft |
| 2023-07-01 | 0 days | 2,440 sqft |
| 2023-08-01 | 0 days | 2,390 sqft |
| 2023-09-01 | 0 days | 2,345 sqft |
| 2023-10-01 | 0 days | 2,316 sqft |
| 2023-11-01 | 0 days | 2,198 sqft |
| 2023-12-01 | 0 days | 2,176 sqft |
| 2024-01-01 | 0 days | 2,148 sqft |
| 2024-02-01 | 0 days | 2,102 sqft |
| 2024-03-01 | 0 days | 2,065 sqft |
| 2024-04-01 | 0 days | 2,091 sqft |
| 2024-05-01 | 0 days | 2,069 sqft |
| 2024-06-01 | 0 days | 2,161 sqft |
| 2024-07-01 | 0 days | 2,173 sqft |
| 2024-08-01 | 0 days | 2,204 sqft |
| 2024-09-01 | 0 days | 2,198 sqft |
| 2024-10-01 | 0 days | 2,198 sqft |
| 2024-11-01 | 0 days | 2,183 sqft |
Bozeman's median listing age (time on market) for 2024-11-01 was 0 days.
Bozeman's median square footage for active listings during the 2024-11-01 period was 2,183 sqft. One year prior, the average listing was 2,198 sqft.
Bozeman's median square footage for active listings during the 2024-11-01 period was 2,183 sqft. One year prior, the average listing was 2,198 sqft.
Bozeman, MT Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,345 | $875,205,000 | $650,710 |
| Home Improvement | 236 | $36,070,000 | $152,839 |
| Cash Out Refi | 187 | $81,995,000 | $438,476 |
| Other | 172 | $73,820,000 | $429,186 |
| Refi | 145 | $97,805,000 | $674,517 |
Bozeman's most frequently cited loan purpose was Home Purchase, with 1,345 originations. The 2nd most popular reason was Home Improvement, with 236 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 696 | $422,940,000 | $607,672 |
| 7-8% | 492 | $282,860,000 | $574,919 |
| Over 8% | 466 | $137,570,000 | $295,215 |
| 5-6% | 367 | $265,655,000 | $723,856 |
| 4-5% | 28 | $31,180,000 | $1,113,571 |
| 2.5-3% | 11 | $2,545,000 | $231,364 |
| 3-4% | 5 | $1,905,000 | $381,000 |
| <2.5% | 2 | $260,000 | $130,000 |
During 2023, Bozeman's most frequently originated rate bucket was 6-7%, with 696 originations.
Loan Sizing (Bozeman, MT MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 578 | $175,280,000 | $303,253 |
| $400k-600k | 523 | $254,895,000 | $487,371 |
| $600k-1000k | 319 | $232,695,000 | $729,451 |
| $100,000 or less | 259 | $14,855,000 | $57,355 |
| $100k-200k | 228 | $31,270,000 | $137,149 |
| $Over $1MM | 178 | $455,900,000 | $2,561,236 |
Bozeman's loan sizing saw the bucket of loans from $200k-400k with 578 originations, totaling $175,280,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 520 | $436,700,000 | $839,808 |
| 80-100% | 467 | $278,745,000 | $596,884 |
| Under 20% | 440 | $55,140,000 | $125,318 |
| 40-60% | 335 | $230,025,000 | $686,642 |
| 20-40% | 279 | $104,285,000 | $373,781 |
| Over 100% | 20 | $13,010,000 | $650,500 |
Bozeman's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 520 originations, totaling $436,700,000 in origination value.