Bozeman Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Bozeman averaged 5.8% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.11% and one month ago for the week of 2022-05-26, the average rate was 5.2%.

Bozeman's average rate one year ago was 3.23%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.94%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Bozeman 30 Year Fixed Rate 2022-06-30 5.8%
Bozeman 30 Year Fixed Rate Refi 2022-06-30 5.94%
Bozeman 15 Year Fixed Rate 2022-06-30 5.58%
Bozeman 15 Year Fixed Rate Refi 2022-06-30 5.25%
Bozeman 30 Year FHA 2022-06-30 5.48%
Bozeman 30 Year FHA Refi 2022-06-30 5.59%
Bozeman 30 Year USDA 2022-06-30 5.76%
Bozeman 30 Year USDA Refi 2022-06-30 5.57%
Bozeman 30 Year VA 2022-06-30 5.82%
Bozeman 30 Year VA Refi 2022-06-30 5.42%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Bozeman, MT.

Bozeman Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Bozeman, MT market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Stockman Bank of Montana 430 3.14% $7,813
CORNERSTONE HOME LENDING, INC. 312 3.15% $5,269
Opportunity Bank of Montana 300 3.17% $5,569
Glacier Bank 279 3.27% $8,252
Wells Fargo Bank 277 3.10% $4,281
GoPrime Mortgage, Inc. 242 3.06% $4,824
QUICKEN LOANS, LLC 236 3.00% $5,926
PRIMELENDING, A PLAINSCAPITAL COMPANY 191 3.31% $5,081
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 146 3.10% $4,614
First Interstate Bank 141 3.21% $5,688
U.S. Bank 139 2.98% $4,580
Hometown Lenders, Inc. 121 3.19% $4,912
UNITED WHOLESALE MORTGAGE, LLC 116 2.98% $5,875
AMERICAN PACIFIC MORTGAGE CORPORATION 106 3.25% $6,083
Flagstar Bank, FSB 96 3.19% $5,801
AMERISAVE MORTGAGE CORPORATION 71 2.76% $4,740
BETTER MORTGAGE CORPORATION 66 2.73% $4,500
Paramount Residential Mortgage Group, Inc. 62 3.20% $5,856
GUARANTEED RATE, INC. 60 3.10% $4,761
LOANDEPOT.COM, LLC 58 2.79% $5,228
PACIFIC RESIDENTIAL MORTGAGE, LLC 56 3.15% $7,113
CHERRY CREEK MORTGAGE, LLC 51 3.22% $1,141
JPMorgan Chase Bank 46 2.91% $5,750
PENNYMAC LOAN SERVICES, LLC 43 2.98% $4,931
Bank of America 36 2.77% $3,522
Stifel Bank and Trust 34 2.75% $2,800
Bank of England 32 3.02% $5,827
Renasant Bank 32 3.05% $6,307
Morgan Stanley Private Bank 28 2.74% $5,917
Flanagan State Bank 25 3.28% $4,065
CALIBER HOME LOANS, INC. 21 3.20% $5,834
First Republic Bank 19 2.83% $7,262
NBKC BANK 19 2.89% $2,542
Ally Bank 18 2.65% $8,701
CMG MORTGAGE, INC. 16 3.17% $6,207
BROKER SOLUTIONS, INC. 15 2.91% $4,309
Wyndham Capital Mortgage, Inc. 15 2.82% $2,274
FREEDOM MORTGAGE CORPORATION 14 3.00% $2,523
Mr. Cooper ( Nationstar Mortgage ) 14 3.13% $5,424
Charles Schwab Bank, SSB 13 2.39% $4,977
Truist Bank 12 3.08% $6,681
Citibank 11 3.00% $5,670
CROSSCOUNTRY MORTGAGE, LLC 11 3.17% $5,878
Cf Bank 10 2.91% $2,299
FirstBank 10 2.78% $2,143
NEWREZ LLC 10 3.11% $4,840
GUILD MORTGAGE COMPANY 10 3.16% $4,305
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 9 2.76% $4,426
UBS Bank USA 9 2.81% $6,355
MUTUAL OF OMAHA MORTGAGE, INC. 9 3.10% $3,477
KELLER MORTGAGE, LLC 9 3.11% $3,465
CRESCENT MORTGAGE COMPANY 8 3.03% $5,610
CANOPY MORTGAGE, LLC 8 2.84% $3,094
MANN FINANCIAL INC. 8 3.20% $5,936
OCMBC, INC. 8 2.97% $5,970
First Western Trust Bank 7 2.82% $3,729
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 7 3.11% $9,550
PLANET HOME LENDING, LLC 7 3.07% $2,029
PNC Bank 7 2.95% $4,603
FINANCE OF AMERICA MORTGAGE LLC 7 2.88% $2,684
Plains Commerce Bank 7 3.34% $4,856
HOME POINT FINANCIAL CORPORATION 7 3.14% $4,369
SECURITYNATIONAL MORTGAGE COMPANY 6 3.08% $6,332
Barrington Bank & Trust Company, N.A. 6 3.08% $6,882
LENDUS, LLC 6 3.21% $3,630
DELMAR FINANCIAL COMPANY 6 2.92% $4,422
NAVY FEDERAL CREDIT UNION 6 2.92% $4,152
Willamette Valley Bank 5 3.20% $4,824
LAKEVIEW LOAN SERVICING, LLC 5 3.18% $2,687
MOVEMENT MORTGAGE, LLC 5 3.39% $4,411
BAY EQUITY LLC 5 3.00% $6,739
CELEBRITY HOME LOANS, LLC 5 3.23% $6,430
ENVOY MORTGAGE, LTD 4 3.59% $4,880
KeyBank 4 2.65% $4,929
Nations Lending Corporation 4 3.03% $6,022
Goldman Sachs Bank USA 4 2.53% $10,481
Altana Federal Credit Union 4 3.19% $4,009
Gate City Bank 4 2.81% $7,775
HOMESTEAD FUNDING CORP. 4 2.56% $3,216
North American Savings Bank, F.S.B. 3 2.88% $2,672
AMERICAN FINANCING CORPORATION 3 3.38% $3,750
AMERICAN INTERNET MORTGAGE, INC. 3 2.58% $6,137
Strong Home Mortgage, LLC 3 2.75% $3,034
Texana Bank 3 2.63% $5,306
The Huntington National Bank 3 3.00% $6,667
TIAA, FSB 3 2.91% $3,970
Peoples National Bank , N.A. 3 2.96% $4,885
First Guaranty Mortgage Corporation 3 3.38% $18,207
USAA Federal Savings Bank 3 3.17% $4,809
PENTAGON FEDERAL CREDIT UNION 3 2.67% $3,749
ZILLOW HOME LOANS, LLC 3 2.75% $9,655
Carrington Mortgage Services, LLC 3 3.46% $3,788
LEADERONE FINANCIAL CORPORATION 3 3.54% $5,392
CHURCHILL MORTGAGE CORPORATION 3 3.08% $6,874
City National Bank 3 2.58% $8,330
Citizens Bank 3 3.33% $4,136
MEGASTAR FINANCIAL CORP. 3 3.21% $9,583
ACADEMY MORTGAGE CORPORATION 3 3.17% $3,380
Mortgage Research Center, LLC 3 3.04% $5,851
MOUNTAIN AMERICA 3 3.58% $7,039
WINGS FINANCIAL 2 2.81% $4,175
IDAHO CENTRAL 2 3.00% $7,172
IMPAC MORTGAGE CORP. 2 3.50% $1,404
S1L, Inc. 2 3.06% $3,299
Colonial Savings, F.A. 2 3.19% $1,592
BOKF 2 3.06% $7,333
Arvest Bank 2 3.25% $2,734
BMO Harris Bank 2 2.75% $5,095
Umpqua Bank 2 3.13% $5,333
PHH Mortgage Corporation 2 2.94% $6,880
TIB The Independent Bankersbank 2 3.25% $5,888
Bell Bank 2 3.31% $4,685
Servion, Inc. 2 3.19% $6,740
CITY FIRST MORTGAGE SERVICES, L.L.C. 2 3.19% $7,373
The Central Trust Bank 2 2.62% $2,096
Equity Prime Mortgage LLC 2 2.81% $5,797
SIRVA MORTGAGE, INC. 2 3.06% $2,010
SOVEREIGN LENDING GROUP INCORPORATED 2 3.12% $8,461
SOFI LENDING CORP. 2 3.06% $5,316
Santander Bank, N.A. 2 2.75% $12,396
Cache Valley Bank 2 2.88% $6,510
NFM, INC. 2 3.06% $3,642
Axos Bank 2 3.44% $20,576
Amerifirst Financial, Inc. 2 3.19% $6,337
Northpointe Bank 2 2.94% $4,259
Gateway First Bank 2 3.69% $4,826
Florida Capital Bank 2 2.93% $9,426
Northwest Farm Credit Services, FLCA 2 3.85% $6,220
Bremer Bank 2 3.19% $13,483
Zions Bancorporation, N.A. 1 2.38% $6,408
ADVANTAGE PLUS 1 2.50% $7,126
Alliance Bank 1 2.50% $2,490
ALLIANT CREDIT UNION 1 3.88% $5,170
AMCAP MORTGAGE, LTD. 1 2.99% $8,201
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.63% $4,854
American State Bank 1 3.00% $4,154
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 6.63% $9,918
Bankers Trust Company 1 2.88% $2,531
Baxter Credit Union 1 3.13% $4,618
BEEHIVE 1 8.75% $3,736
BNC National Bank 1 2.63% $3,266
BNY Mellon 1 2.50% $6,235
CALCON MUTUAL MORTGAGE LLC 1 3.25% $5,486
CIBC Bank USA 1 2.50% $9,210
City Bank 1 2.75% $4,461
Commerce Home Mortgage, Inc. 1 3.38% $4,801
Crestline Funding Corporation 1 3.12% $3,775
Dacotah Bank 1 2.88% $6,082
DEEPHAVEN MORTGAGE LLC 1 4.99% $15,336
Deere Employees Credit Union 1 2.00% $4,666
D. L. Evans Bank 1 2.63% $2,578
DRAPER AND KRAMER MORTGAGE CORP. 1 3.49% $3,980
EVANSVILLE TEACHERS 1 2.75% $10,519
Evolve Bank & Trust 1 3.25% $3,032
Financial Federal Bank 1 3.38% $4,057
First Federal Bank 1 3.13% $5,319
First Home Bank 1 2.75% $4,056
First Horizon Bank 1 2.88% $12,636
First International Bank & Trust 1 3.25% $5,435
First Internet Bank of Indiana 1 2.75% $2,839
First United Bank and Trust Company 1 3.38% $3,304
FUNDLOANS CAPITAL 1 4.63% $21,539
Great Western Bank 1 3.00% $4,713
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.25% $4,592
HOMESTAR FINANCIAL CORPORATION 1 3.13% $6,449
HORIZON 1 3.38% $6,736
HSBC BANK USA, NATIONAL ASSOCIATION 1 2.90% $3,931
InterContinental Capital Group, Inc 1 2.50% $10,577
Inwood National Bank 1 2.75% $7,849
JMJ FINANCIAL GROUP 1 3.50% $14,962
KINECTA 1 3.13% $7,372
KS StateBank 1 2.88% $6,025
Lend Smart Mortgage, LLC 1 3.25% $9,112
LENDSURE MORTGAGE CORP. 1 4.75% $14,104
Manufacturers and Traders Trust Company 1 2.88% $3,277
MASON MCDUFFIE MORTGAGE CORPORATION 1 3.13% $5,300
MidFirst Bank 1 3.00% $25,402
Midwest Community Bank 1 3.38% $5,552
NATIONWIDE MORTGAGE BANKERS, INC. 1 3.25% $1,797
NBH Bank 1 2.75% $4,842
Northwest Federal Credit Union 1 2.75% $1,945
Paramount Bank 1 3.13% $4,742
Pinnacle Bank 1 3.38% $6,296
PREMIA MORTGAGE, LLC 1 2.75% $50
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.00% $6,880
Prosperity Home Mortgage, LLC 1 2.50% $3,632
Raymond James Bank 1 2.50% $3,397
RBC Bank, (Georgia) 1 3.13% $3,199
Reliabank Dakota 1 2.50% $7,250
RESIDENTIAL BANCORP. 1 3.13% $2,405
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 4.38% $7,799
Silicon Valley Bank 1 3.25% $5,513
SPOKANE TEACHERS 1 2.88% $3,691
STAR ONE CREDIT UNION 1 3.13% $2,641
STEARNS LENDING, LLC 1 2.88% $3,579
Stock Yards Bank & Trust Company 1 2.88% $2,197
SUMMIT FUNDING, INC. 1 3.13% $3,784
SUN WEST MORTGAGE COMPANY, INC. 1 2.75% $9,575
The Northern Trust Company 1 2.88% $7,119
The Union Bank Company 1 2.75% $3,689
UMB Bank 1 2.29% $3,787
UNIVERSAL LENDING CORPORATION 1 3.00% $7,794
UNIVERSITY CREDIT UNION 1 2.88% $4,581
VALLEY FINANCIAL CREDIT UNION 1 3.00% $240
Washington Trust Bank 1 3.24% $3,128
Waterstone Mortgage Corporation 1 3.13% $5,568
WesBanco Bank, Inc. 1 2.75% $12,080
1st Security Bank of Washington 1 2.88% $6,751

Bozeman, MT's 208 lenders originated 7,197 loans during 2021. The total origination value was $3,167,225,000, with an average loan value of $440,076.

The top Bozeman lender as defined by loan originations is Stockman Bank of Montana, with 430 loans originated. Their average total fees are $7,813, which is $2,543 higher than the next largest lender, CORNERSTONE HOME LENDING, INC..

The lowest fee Bozeman lenders (with over 10 loans originated) are CHERRY CREEK MORTGAGE, LLC ($1,141), FirstBank ($2,143), Wyndham Capital Mortgage, Inc. ($2,274), Cf Bank ($2,299) and FREEDOM MORTGAGE CORPORATION ($2,523).

The lowest rate Bozeman lenders (with over 10 loans originated) are Charles Schwab Bank, SSB (2.39%), Ally Bank (2.65%), BETTER MORTGAGE CORPORATION (2.73%), Morgan Stanley Private Bank (2.74%) and Stifel Bank and Trust (2.75%).

Bozeman, MT Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
Glacier Bank $301,080,000 $255,850,000 -15.0% 8.1%
Stockman Bank of Montana $292,870,000 $248,415,000 -15.2% 7.8%
Wells Fargo Bank $190,125,000 $223,205,000 17.4% 7.0%
Opportunity Bank of Montana $139,705,000 $180,400,000 29.1% 5.7%
CORNERSTONE HOME LENDING, INC. $191,900,000 $155,770,000 -18.8% 4.9%
U.S. Bank $78,200,000 $127,585,000 63.2% 4.0%
QUICKEN LOANS, LLC $115,545,000 $118,160,000 2.3% 3.7%
GoPrime Mortgage, Inc. $116,025,000 $111,380,000 -4.0% 3.5%
First Interstate Bank $123,335,000 $108,540,000 -12.0% 3.4%
PRIMELENDING, A PLAINSCAPITAL COMPANY $77,115,000 $85,425,000 10.8% 2.7%
JPMorgan Chase Bank $45,400,000 $81,035,000 78.5% 2.6%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $134,440,000 $77,885,000 -42.1% 2.5%
UNITED WHOLESALE MORTGAGE, LLC $31,305,000 $70,905,000 126.5% 2.2%
First Republic Bank $42,030,000 $64,540,000 53.6% 2.0%
CBRE MULTIFAMILY CAPITAL, INC. $61,915,000 n/a 2.0%
Hometown Lenders, Inc. $3,020,000 $60,290,000 1,896.4% 1.9%
AMERICAN PACIFIC MORTGAGE CORPORATION $56,040,000 $59,590,000 6.3% 1.9%
Flagstar Bank, FSB $26,280,000 $49,690,000 89.1% 1.6%
Bank of America $36,475,000 $46,630,000 27.8% 1.5%
Morgan Stanley Private Bank $16,045,000 $46,235,000 188.2% 1.5%
GUARANTEED RATE, INC. $4,860,000 $46,230,000 851.2% 1.5%
BETTER MORTGAGE CORPORATION $21,730,000 $41,355,000 90.3% 1.3%
LOANDEPOT.COM, LLC $21,965,000 $38,590,000 75.7% 1.2%
PNC Bank $4,740,000 $35,870,000 656.8% 1.1%
Paramount Residential Mortgage Group, Inc. $28,220,000 $33,265,000 17.9% 1.1%
PENNYMAC LOAN SERVICES, LLC $11,805,000 $32,270,000 173.4% 1.0%
FREEDOM MORTGAGE CORPORATION $45,965,000 $32,110,000 -30.1% 1.0%
AMERISAVE MORTGAGE CORPORATION $21,105,000 $30,760,000 45.7% 1.0%
Citibank $26,560,000 $26,645,000 0.3% 0.8%
PACIFIC RESIDENTIAL MORTGAGE, LLC $26,465,000 $23,830,000 -10.0% 0.8%
CHERRY CREEK MORTGAGE, LLC $22,305,000 $23,680,000 6.2% 0.7%
Stifel Bank and Trust $17,915,000 $18,005,000 0.5% 0.6%
Charles Schwab Bank, SSB $11,525,000 $16,765,000 45.5% 0.5%
Renasant Bank $9,875,000 $16,320,000 65.3% 0.5%
UBS Bank USA $20,530,000 $14,895,000 -27.4% 0.5%
CALIBER HOME LOANS, INC. $2,420,000 $14,665,000 506.0% 0.5%
Bank of England $10,020,000 $14,630,000 46.0% 0.5%
Mortgage Research Center, LLC $11,760,000 $13,870,000 17.9% 0.4%
Flanagan State Bank $14,185,000 $12,730,000 -10.3% 0.4%
LAKEVIEW LOAN SERVICING, LLC $8,045,000 $12,555,000 56.1% 0.4%
CROSSCOUNTRY MORTGAGE, LLC $6,065,000 $12,325,000 103.2% 0.4%
Ally Bank $3,260,000 $12,235,000 275.3% 0.4%
CMG MORTGAGE, INC. $28,125,000 $11,815,000 -58.0% 0.4%
NBKC BANK $10,030,000 $10,640,000 6.1% 0.3%
Truist Bank $3,000,000 $10,545,000 251.5% 0.3%
NEWREZ LLC $6,285,000 $10,140,000 61.3% 0.3%
First Merchants Bank $1,005,000 $9,445,000 839.8% 0.3%
Goldman Sachs Bank USA $3,310,000 $9,430,000 184.9% 0.3%
Mr. Cooper ( Nationstar Mortgage ) $11,985,000 $9,140,000 -23.7% 0.3%
Wyndham Capital Mortgage, Inc. $4,060,000 $8,205,000 102.1% 0.3%
USAA Federal Savings Bank $17,000,000 $7,405,000 -56.4% 0.2%
The Huntington National Bank $815,000 $7,390,000 806.7% 0.2%
BROKER SOLUTIONS, INC. $7,560,000 $6,510,000 -13.9% 0.2%
Barrington Bank & Trust Company, N.A. $1,450,000 $6,430,000 343.4% 0.2%
HOME POINT FINANCIAL CORPORATION $2,995,000 $5,960,000 99.0% 0.2%
REDWOOD RESIDENTIAL ACQUISITION CORPORATION $725,000 $5,445,000 651.0% 0.2%
Cf Bank $1,655,000 $5,355,000 223.6% 0.2%
NAVY FEDERAL CREDIT UNION $9,025,000 $5,310,000 -41.2% 0.2%
REVERSE MORTGAGE FUNDING LLC $2,160,000 $5,195,000 140.5% 0.2%
PENTAGON FEDERAL CREDIT UNION $2,000,000 $4,905,000 145.3% 0.2%
FirstBank $9,275,000 $4,900,000 -47.2% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $5,030,000 $4,770,000 -5.2% 0.2%
GREYSTONE SERVICING COMPANY LLC $9,305,000 $4,765,000 -48.8% 0.2%
PLANET HOME LENDING, LLC $3,515,000 $4,630,000 31.7% 0.1%
BOKF $795,000 $4,550,000 472.3% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $11,145,000 $4,355,000 -60.9% 0.1%
MANN FINANCIAL INC. $5,305,000 $4,330,000 -18.4% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $3,030,000 $4,320,000 42.6% 0.1%
City National Bank $2,765,000 $4,215,000 52.4% 0.1%
GUILD MORTGAGE COMPANY $5,510,000 $4,130,000 -25.0% 0.1%
CRESCENT MORTGAGE COMPANY $355,000 $3,960,000 1,015.5% 0.1%
The Northern Trust Company $2,105,000 $3,840,000 82.4% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $5,755,000 $3,390,000 -41.1% 0.1%
OCMBC, INC. $3,010,000 $3,385,000 12.5% 0.1%
AMERICAN FINANCING CORPORATION $3,425,000 $3,360,000 -1.9% 0.1%
MOUNTAIN AMERICA $275,000 $3,340,000 1,114.5% 0.1%
ROYAL FINANCIAL, INC. $3,325,000 n/a 0.1%
KELLER MORTGAGE, LLC $6,500,000 $3,215,000 -50.5% 0.1%
Bremer Bank $730,000 $3,185,000 336.3% 0.1%
FINANCE OF AMERICA REVERSE LLC $1,135,000 $3,180,000 180.2% 0.1%
Axos Bank $2,015,000 $3,130,000 55.3% 0.1%
Peoples National Bank , N.A. $715,000 $3,090,000 332.2% 0.1%
MOVEMENT MORTGAGE, LLC $3,035,000 n/a 0.1%
Guaranty Bank & Trust, N.A. $3,005,000 n/a 0.1%
First Horizon Bank $2,955,000 n/a 0.1%
CIBC Bank USA $1,815,000 $2,855,000 57.3% 0.1%
KeyBank $3,380,000 $2,790,000 -17.5% 0.1%
CANOPY MORTGAGE, LLC $2,780,000 n/a 0.1%
LENDUS, LLC $2,350,000 $2,735,000 16.4% 0.1%
HOMESTEAD FUNDING CORP. $700,000 $2,705,000 286.4% 0.1%
Plains Commerce Bank $2,645,000 $2,670,000 0.9% 0.1%
First Guaranty Mortgage Corporation $2,650,000 n/a 0.1%
Texana Bank $515,000 $2,635,000 411.7% 0.1%
UMB Bank $2,630,000 n/a 0.1%
DELMAR FINANCIAL COMPANY $1,270,000 $2,620,000 106.3% 0.1%
WesBanco Bank, Inc. $2,585,000 n/a 0.1%
MidFirst Bank $365,000 $2,580,000 606.8% 0.1%
NEW DAY FINANCIAL, LLC $2,700,000 $2,570,000 -4.8% 0.1%
KS StateBank $1,750,000 $2,340,000 33.7% 0.1%
First Montana Bank, Inc. $2,790,000 $2,230,000 -20.1% 0.1%
Altana Federal Credit Union $305,000 $2,180,000 614.8% 0.1%
Nations Lending Corporation $3,780,000 $2,145,000 -43.3% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $2,870,000 $2,130,000 -25.8% 0.1%
Carrington Mortgage Services, LLC $1,640,000 $2,115,000 29.0% 0.1%
First Western Trust Bank $1,200,000 $2,115,000 76.3% 0.1%
Willamette Valley Bank $2,065,000 $2,075,000 0.5% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $1,795,000 $2,020,000 12.5% 0.1%
FUNDLOANS CAPITAL $565,000 $2,020,000 257.5% 0.1%
JONES LANG LASALLE MULTIFAMILY, LLC $2,005,000 n/a 0.1%
CELEBRITY HOME LOANS, LLC $1,925,000 n/a 0.1%
Rocky Mountain Bank $1,915,000 n/a 0.1%
STEARNS LENDING, LLC $4,385,000 $1,910,000 -56.4% 0.1%
Gate City Bank $570,000 $1,880,000 229.8% 0.1%
BAY EQUITY LLC $2,325,000 $1,805,000 -22.4% 0.1%
Manufacturers and Traders Trust Company $1,795,000 n/a 0.1%
BMO Harris Bank $5,720,000 $1,785,000 -68.8% 0.1%
ALLIANT CREDIT UNION $2,975,000 $1,780,000 -40.2% 0.1%
EVANSVILLE TEACHERS $1,765,000 n/a 0.1%
Strong Home Mortgage, LLC $1,760,000 n/a 0.1%
TIAA, FSB $4,665,000 $1,740,000 -62.7% 0.1%
TrailWest Bank $505,000 $1,725,000 241.6% 0.1%
Umpqua Bank $445,000 $1,675,000 276.4% 0.1%
North American Savings Bank, F.S.B. $5,185,000 $1,605,000 -69.0% 0.1%
Visio Financial Services Inc. $1,590,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $550,000 $1,575,000 186.4% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $810,000 $1,555,000 92.0% 0.0%
CITY FIRST MORTGAGE SERVICES, L.L.C. $375,000 $1,500,000 300.0% 0.0%
VALLEY FINANCIAL CREDIT UNION $1,430,000 $1,480,000 3.5% 0.0%
ZILLOW HOME LOANS, LLC $1,440,000 n/a 0.0%
SOFI LENDING CORP. $1,575,000 $1,360,000 -13.7% 0.0%
Silicon Valley Bank $1,305,000 n/a 0.0%
ENVOY MORTGAGE, LTD $295,000 $1,290,000 337.3% 0.0%
WINGS FINANCIAL $535,000 $1,275,000 138.3% 0.0%
Bell Bank $395,000 $1,220,000 208.9% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $1,205,000 n/a 0.0%
MEGASTAR FINANCIAL CORP. $1,545,000 $1,205,000 -22.0% 0.0%
Citizens Bank $10,815,000 $1,195,000 -89.0% 0.0%
CLEARPATH LENDING $3,785,000 $1,175,000 -69.0% 0.0%
The Federal Savings Bank $4,020,000 $1,170,000 -70.9% 0.0%
PHH Mortgage Corporation $850,000 $1,165,000 37.1% 0.0%
ACADEMY MORTGAGE CORPORATION $275,000 $1,145,000 316.4% 0.0%
Bank of Springfield $225,000 $1,135,000 404.4% 0.0%
KINECTA $1,115,000 n/a 0.0%
AMERICAN ADVISORS GROUP $1,045,000 $1,105,000 5.7% 0.0%
LEADERONE FINANCIAL CORPORATION $345,000 $1,105,000 220.3% 0.0%
Waterstone Mortgage Corporation $1,090,000 n/a 0.0%
Alaska USA Federal Credit Union $1,690,000 $1,060,000 -37.3% 0.0%
NBH Bank $1,000,000 $1,050,000 5.0% 0.0%
The First National Bank of McGregor $1,040,000 n/a 0.0%
Pinnacle Bank $225,000 $1,010,000 348.9% 0.0%
BNY Mellon $1,020,000 $1,005,000 -1.5% 0.0%
Gateway First Bank $1,000,000 n/a 0.0%
IDAHO CENTRAL $760,000 $980,000 28.9% 0.0%
LENDSURE MORTGAGE CORP. $940,000 n/a 0.0%
Arvest Bank $115,000 $925,000 704.3% 0.0%
Evolve Bank & Trust $925,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $1,310,000 $895,000 -31.7% 0.0%
Figure Lending LLC $150,000 $880,000 486.7% 0.0%
First International Bank & Trust $540,000 $880,000 63.0% 0.0%
UNIVERSITY CREDIT UNION $875,000 n/a 0.0%
Amerifirst Financial, Inc. $740,000 $870,000 17.6% 0.0%
GEORGIA'S OWN $855,000 n/a 0.0%
Midwest Community Bank $850,000 n/a 0.0%
JMJ FINANCIAL GROUP $845,000 n/a 0.0%
Paramount Bank $850,000 $830,000 -2.4% 0.0%
SUMMIT FUNDING, INC. $820,000 n/a 0.0%
UNIVERSAL LENDING CORPORATION $835,000 $815,000 -2.4% 0.0%
Zions Bancorporation, N.A. $1,430,000 $815,000 -43.0% 0.0%
TIB The Independent Bankersbank $1,370,000 $800,000 -41.6% 0.0%
SIRVA MORTGAGE, INC. $195,000 $780,000 300.0% 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $590,000 $775,000 31.4% 0.0%
Citizens Alliance Bank $305,000 $770,000 152.5% 0.0%
Northwest Farm Credit Services, FLCA $5,175,000 $770,000 -85.1% 0.0%
Servion, Inc. $975,000 $770,000 -21.0% 0.0%
Baxter Credit Union $985,000 $765,000 -22.3% 0.0%
NFM, INC. $665,000 $740,000 11.3% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $710,000 n/a 0.0%
The Central Trust Bank $710,000 n/a 0.0%
ARC HOME LLC $915,000 $705,000 -23.0% 0.0%
BNC National Bank $985,000 $700,000 -28.9% 0.0%
Equity Prime Mortgage LLC $690,000 n/a 0.0%
AMCAP MORTGAGE, LTD. $390,000 $670,000 71.8% 0.0%
Washington Trust Bank $665,000 n/a 0.0%
Discover Bank $665,000 $660,000 -0.8% 0.0%
Florida Capital Bank $255,000 $660,000 158.8% 0.0%
Cache Valley Bank $640,000 n/a 0.0%
Northpointe Bank $1,750,000 $640,000 -63.4% 0.0%
Santander Bank, N.A. $630,000 n/a 0.0%
Raymond James Bank $755,000 $605,000 -19.9% 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,350,000 $595,000 -55.9% 0.0%
Colonial Savings, F.A. $950,000 $590,000 -37.9% 0.0%
Deere Employees Credit Union $1,135,000 $580,000 -48.9% 0.0%
IMPAC MORTGAGE CORP. $345,000 $560,000 62.3% 0.0%
S1L, Inc. $515,000 $560,000 8.7% 0.0%
Frontier Bank $555,000 n/a 0.0%
American State Bank $265,000 $550,000 107.5% 0.0%
Inwood National Bank $195,000 $545,000 179.5% 0.0%
Citizens Community Federal $535,000 n/a 0.0%
Fifth Third Bank $535,000 n/a 0.0%
DEEPHAVEN MORTGAGE LLC $505,000 n/a 0.0%
First Home Bank $440,000 $505,000 14.8% 0.0%
The Canandaigua National Bank and Trust Company $505,000 n/a 0.0%
Bank of Colorado $500,000 n/a 0.0%
Financial Federal Bank $495,000 n/a 0.0%
InterContinental Capital Group, Inc $635,000 $495,000 -22.0% 0.0%
Low VA Rates, LLC $1,740,000 $495,000 -71.6% 0.0%
RELIANCE FIRST CAPITAL, LLC $495,000 n/a 0.0%
Crestline Funding Corporation $485,000 n/a 0.0%
ADVANTAGE PLUS $465,000 n/a 0.0%
Prosperity Home Mortgage, LLC $465,000 n/a 0.0%
1st Security Bank of Washington $455,000 n/a 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $1,195,000 $455,000 -61.9% 0.0%
Reliabank Dakota $445,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $440,000 n/a 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $435,000 n/a 0.0%
Commerce Home Mortgage, Inc. $425,000 n/a 0.0%
PREMIA MORTGAGE, LLC $355,000 $425,000 19.7% 0.0%
Bankers Trust Company $415,000 n/a 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $415,000 n/a 0.0%
RBC Bank, (Georgia) $415,000 n/a 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $405,000 n/a 0.0%
First Internet Bank of Indiana $1,075,000 $405,000 -62.3% 0.0%
STAR ONE CREDIT UNION $400,000 n/a 0.0%
D. L. Evans Bank $195,000 $395,000 102.6% 0.0%
Farmers Bank & Trust $485,000 $395,000 -18.6% 0.0%
HORIZON $255,000 $395,000 54.9% 0.0%
Lend Smart Mortgage, LLC $245,000 $385,000 57.1% 0.0%
MASON MCDUFFIE MORTGAGE CORPORATION $385,000 n/a 0.0%
LENDERFI, INC. $700,000 $375,000 -46.4% 0.0%
City Bank $365,000 n/a 0.0%
The Union Bank Company $365,000 n/a 0.0%
Alliance Bank $355,000 n/a 0.0%
The Port Washington State Bank $355,000 n/a 0.0%
United Community Bank $355,000 n/a 0.0%
Great Western Bank $345,000 n/a 0.0%
Pioneer Bank & Trust $345,000 n/a 0.0%
ACCELERATE MORTGAGE, LLC $355,000 $335,000 -5.6% 0.0%
HOMESTAR FINANCIAL CORPORATION $335,000 n/a 0.0%
Commerce Bank $535,000 $325,000 -39.3% 0.0%
Cumberland Valley National Bank & Trust Company $325,000 n/a 0.0%
GENEVA FINANCIAL, LLC $325,000 n/a 0.0%
EVERETT FINANCIAL, INC. $315,000 $305,000 -3.2% 0.0%
TCF National Bank $205,000 $305,000 48.8% 0.0%
First United Bank and Trust Company $435,000 $295,000 -32.2% 0.0%
CALCON MUTUAL MORTGAGE LLC $285,000 n/a 0.0%
Stock Yards Bank & Trust Company $395,000 $285,000 -27.8% 0.0%
First Federal Bank $305,000 $275,000 -9.8% 0.0%
First State Bank and Trust $275,000 n/a 0.0%
Landmark National Bank $265,000 n/a 0.0%
Ixonia Bank $255,000 n/a 0.0%
OPEN MORTGAGE, LLC $4,630,000 $255,000 -94.5% 0.0%
RESIDENTIAL BANCORP. $245,000 n/a 0.0%
Bank of Utah $235,000 n/a 0.0%
Dacotah Bank $255,000 $235,000 -7.8% 0.0%
PURDUE FEDERAL CREDIT UNION $235,000 n/a 0.0%
VILLAGE CAPITAL & INVESTMENT LLC $885,000 $235,000 -73.4% 0.0%
LONGBRIDGE FINANCIAL, LLC $375,000 $225,000 -40.0% 0.0%
Northwest Federal Credit Union $505,000 $225,000 -55.4% 0.0%
QUORUM FEDERAL CREDIT UNION $200,000 $215,000 7.5% 0.0%
SPRING EQ, LLC $200,000 $205,000 2.5% 0.0%
21ST MORTGAGE CORPORATION $255,000 $185,000 -27.5% 0.0%
SPOKANE TEACHERS $165,000 n/a 0.0%
BEEHIVE $155,000 n/a 0.0%
First American Bank $155,000 n/a 0.0%
CHEVRON $265,000 $115,000 -56.6% 0.0%
Sunflower Bank $1,665,000 $105,000 -93.7% 0.0%
EMBARK $75,000 n/a 0.0%
BANKWEST, INC. $45,000 n/a 0.0%
Bethpage Federal Credit Union $25,000 n/a 0.0%

Bozeman's top lender by overall market share is Glacier Bank, with 8.1% market share. In second place, with 7.8%, is Stockman Bank of Montana, having originated $248,415,000 in loans. In third place, with 7.0%, is Wells Fargo Bank, having originated $223,205,000 in loans. In third place, with 5.7%, is Opportunity Bank of Montana, having originated $180,400,000 in loans. In third place, with 4.9%, is CORNERSTONE HOME LENDING, INC., having originated $155,770,000 in loans.


Bozeman, MT Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,632 $1,511,390,000 $574,236
Refi 2,313 $817,715,000 $353,530
Cash Out Refi 1,712 $677,240,000 $395,584
Other 287 $117,115,000 $408,066
Home Improvement 253 $43,765,000 $172,984

Bozeman's most frequently cited loan purpose was Home Purchase, with 2,632 originations. The 2nd most popular reason was Refi, with 2,313 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 2,887 $1,235,525,000 $427,962
2.5-3% 2,807 $1,202,065,000 $428,238
<2.5% 966 $522,600,000 $540,994
4-5% 452 $181,460,000 $401,460
5-6% 38 $12,210,000 $321,316
Over 8% 13 $1,105,000 $85,000
6-7% 10 $1,460,000 $146,000
7-8% 6 $370,000 $61,667

During 2021, Bozeman's most frequently originated rate bucket was 3-4%, with 2,887 originations.

Loan Sizing (Bozeman, MT MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 3,309 $991,775,000 $299,720
$400k-600k 1,940 $941,220,000 $485,165
$100k-200k 851 $131,945,000 $155,047
$600k-1000k 487 $364,965,000 $749,415
$100,000 or less 319 $19,305,000 $60,517
$Over $1MM 291 $718,015,000 $2,467,405

Bozeman's loan sizing saw the bucket of loans from $200k-400k with 3,309 originations, totaling $991,775,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 2,419 $1,317,715,000 $544,735
40-60% 1,807 $754,895,000 $417,761
80-100% 1,307 $662,035,000 $506,530
20-40% 1,025 $305,455,000 $298,005
Under 20% 458 $56,150,000 $122,598
Over 100% 27 $14,675,000 $543,519

Bozeman's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 2,419 originations, totaling $1,317,715,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Bozeman (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $489,450 (2.2%) $874,898 (-3.0%) 0.00 436
2018-02-01 $479,700 (-3.9%) $832,276 (-8.4%) 0.00 408
2018-03-01 $449,000 (-10.2%) $780,765 (-11.8%) 0.00 402
2018-04-01 $467,000 (-11.1%) $768,913 (-16.4%) 0.00 404
2018-05-01 $524,750 (-4.9%) $785,412 (-14.7%) 0.00 439
2018-06-01 $529,900 (-3.6%) $783,440 (-10.2%) 0.00 520
2018-07-01 $499,450 (-7.3%) $751,948 (-15.4%) 0.00 611
2018-08-01 $487,000 (-5.8%) $741,289 (-14.6%) 0.00 637
2018-09-01 $464,900 (-12.3%) $728,199 (-17.4%) 0.00 640
2018-10-01 $449,725 (-18.2%) $703,137 (-21.7%) 0.00 641
2018-11-01 $451,400 (-11.8%) $730,747 (-16.5%) 0.00 583
2018-12-01 $449,900 (-10.0%) $753,095 (-15.1%) 0.00 544
2019-01-01 $461,500 (-5.7%) $773,891 (-11.5%) 0.00 486
2019-02-01 $474,000 (-1.2%) $774,133 (-7.0%) 0.00 450
2019-03-01 $493,586 (9.9%) $774,035 (-0.9%) 0.00 433
2019-04-01 $497,886 (6.6%) $772,649 (0.5%) 0.00 436
2019-05-01 $524,900 (0.0%) $773,539 (-1.5%) 0.00 487
2019-06-01 $540,000 (1.9%) $822,220 (5.0%) 0.00 553
2019-07-01 $549,450 (10.0%) $862,798 (14.7%) 0.00 611
2019-08-01 $533,714 (9.6%) $856,692 (15.6%) 0.00 634
2019-09-01 $516,714 (11.2%) $850,045 (16.7%) 0.00 649
2019-10-01 $525,000 (16.7%) $857,119 (21.9%) 0.00 666
2019-11-01 $499,000 (10.5%) $850,655 (16.4%) 0.00 610
2019-12-01 $481,900 (7.1%) $861,974 (14.5%) 0.00 527
2020-01-01 $467,500 (1.3%) $902,807 (16.7%) 0.00 482
2020-02-01 $529,000 (11.6%) $966,745 (24.9%) 0.00 448
2020-03-01 $532,000 (7.8%) $935,951 (20.9%) 0.00 459
2020-04-01 $497,500 (-0.1%) $906,255 (17.3%) 0.00 515
2020-05-01 $519,000 (-1.1%) $956,404 (23.6%) 0.00 541
2020-06-01 $612,375 (13.4%) $1,090,335 (32.6%) 0.00 501
2020-07-01 $682,400 (24.2%) $1,194,590 (38.5%) 0.00 412
2020-08-01 $749,000 (40.3%) $1,277,665 (49.1%) 0.00 350
2020-09-01 $795,000 (53.9%) $1,459,809 (71.7%) 0.00 264
2020-10-01 $795,000 (51.4%) $1,512,215 (76.4%) 0.00 234
2020-11-01 $901,000 (80.6%) $1,715,103 (101.6%) 0.00 184
2020-12-01 $981,000 (103.6%) $1,904,545 (121.0%) 0.00 162
2021-01-01 $1,125,000 (140.6%) $2,077,262 (130.1%) 0.00 141
2021-02-01 $1,043,500 (97.3%) $1,948,533 (101.6%) 0.00 135
2021-03-01 $833,450 (56.7%) $1,619,251 (73.0%) 0.00 133
2021-04-01 $750,000 (50.8%) $1,536,876 (69.6%) 0.00 130
2021-05-01 $899,000 (73.2%) $1,652,052 (72.7%) 0.00 154
2021-06-01 $849,000 (38.6%) $1,534,028 (40.7%) 0.00 222
2021-07-01 $862,400 (26.4%) $1,595,487 (33.6%) 0.00 266
2021-08-01 $795,000 (6.1%) $1,572,806 (23.1%) 0.00 301
2021-09-01 $791,615 (-0.4%) $1,627,628 (11.5%) 0.00 294
2021-10-01 $831,435 (4.6%) $1,682,835 (11.3%) 0.00 247
2021-11-01 $849,500 (-5.7%) $1,940,633 (13.2%) 0.00 186
2021-12-01 $974,950 (-0.6%) $2,143,285 (12.5%) 0.00 148
2022-01-01 $1,275,000 (13.3%) $2,491,956 (20.0%) 0.00 117
2022-02-01 $1,232,500 (18.1%) $2,374,115 (21.8%) 0.00 125
2022-03-01 $999,900 (20.0%) $2,098,667 (29.6%) 0.00 137
2022-04-01 $1,099,000 (46.5%) $1,943,487 (26.5%) 0.00 183
2022-05-01 $879,000 (-2.2%) $1,598,250 (-3.3%) 0.00 262
2022-06-01 $874,250 (3.0%) $1,524,625 (-0.6%) 0.00 367
Bozeman's median listing price for 2022-06-01 was $874,250, a difference of $25,250 (3.0%) versus the prior year and $-4,750 versus the prior month.

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

Bozeman's average listing price for 2022-06-01 was $1,524,625, a difference of $-9,403 (-0.6%) versus the prior year and $-73,625 versus the prior month.

For the 2022-06-01 period, Bozeman had 367 MLS listings, a difference of 105 listings (40%) versus the prior month and 145 listings (65%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Bozeman (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,364 sqft
2018-02-01 0 days 2,308 sqft
2018-03-01 0 days 2,280 sqft
2018-04-01 0 days 2,329 sqft
2018-05-01 0 days 2,400 sqft
2018-06-01 0 days 2,520 sqft
2018-07-01 0 days 2,525 sqft
2018-08-01 0 days 2,400 sqft
2018-09-01 0 days 2,280 sqft
2018-10-01 0 days 2,200 sqft
2018-11-01 0 days 2,271 sqft
2018-12-01 0 days 2,280 sqft
2019-01-01 0 days 2,274 sqft
2019-02-01 0 days 2,290 sqft
2019-03-01 0 days 2,294 sqft
2019-04-01 0 days 2,297 sqft
2019-05-01 0 days 2,273 sqft
2019-06-01 0 days 2,312 sqft
2019-07-01 0 days 2,332 sqft
2019-08-01 0 days 2,287 sqft
2019-09-01 0 days 2,223 sqft
2019-10-01 0 days 2,203 sqft
2019-11-01 0 days 2,152 sqft
2019-12-01 0 days 2,150 sqft
2020-01-01 0 days 2,099 sqft
2020-02-01 0 days 2,153 sqft
2020-03-01 0 days 2,166 sqft
2020-04-01 0 days 2,086 sqft
2020-05-01 0 days 2,120 sqft
2020-06-01 0 days 2,294 sqft
2020-07-01 0 days 2,413 sqft
2020-08-01 0 days 2,548 sqft
2020-09-01 0 days 2,584 sqft
2020-10-01 0 days 2,597 sqft
2020-11-01 0 days 2,558 sqft
2020-12-01 0 days 2,609 sqft
2021-01-01 0 days 2,743 sqft
2021-02-01 0 days 2,735 sqft
2021-03-01 0 days 2,606 sqft
2021-04-01 0 days 2,478 sqft
2021-05-01 0 days 2,640 sqft
2021-06-01 0 days 2,483 sqft
2021-07-01 0 days 2,393 sqft
2021-08-01 0 days 2,299 sqft
2021-09-01 0 days 2,284 sqft
2021-10-01 0 days 2,304 sqft
2021-11-01 0 days 2,452 sqft
2021-12-01 0 days 2,569 sqft
2022-01-01 0 days 2,719 sqft
2022-02-01 0 days 2,599 sqft
2022-03-01 0 days 2,464 sqft
2022-04-01 0 days 2,206 sqft
2022-05-01 0 days 2,271 sqft
2022-06-01 0 days 2,244 sqft
Bozeman's median listing age (time on market) for 2022-06-01 was 0 days.

Bozeman's median square footage for active listings during the 2022-06-01 period was 2,244 sqft. One year prior, the average listing was 2,483 sqft.