Helena Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Helena averaged 7.04% for the week of 2024-04-18, compared to the national average of 7.1% for the same period.

    The average rate for the prior week (2024-04-11) was 6.82% and one month ago for the week of 2024-03-14, the average rate was 6.68%.

    Helena's average rate one year ago was 6.41%.

    For refis of the same type during the week of 2024-04-18, the average rate was 7%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-04-18 7.1%
    Helena 30 Year Fixed Rate 2024-04-18 7.04%
    Helena 30 Year Fixed Rate Refi 2024-04-18 7%
    Helena 15 Year Fixed Rate 2024-04-18 6.59%
    Helena 15 Year Fixed Rate Refi 2024-04-18 6.69%
    Helena 30 Year FHA 2024-04-18 6.41%
    Helena 30 Year FHA Refi 2024-04-18 7.06%
    Helena 30 Year USDA 2024-04-18 7.06%
    Helena 30 Year USDA Refi 2024-04-18 7.06%
    Helena 30 Year VA 2024-04-18 6.56%
    Helena 30 Year VA Refi 2024-04-18 6.86%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Helena, MT.

    Helena 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 Helena, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Opportunity Bank of Montana 131 6.80% $5,978
    Glacier Bank 66 6.80% $7,219
    MANN FINANCIAL INC. 50 6.92% $7,213
    Stockman Bank of Montana 41 6.63% $8,005
    QUICKEN LOANS, LLC 35 6.92% $7,550
    U.S. Bank 30 6.49% $5,387
    GUARANTEED RATE, INC. 26 6.40% $11,058
    First Interstate Bank 22 6.29% $6,317
    UNITED WHOLESALE MORTGAGE, LLC 21 6.31% $6,765
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 10 7.05% $7,929
    Prosperity Home Mortgage, LLC 8 7.19% $7,865
    CRESCENT MORTGAGE COMPANY 8 6.89% $8,363
    Wells Fargo Bank 6 6.35% $6,653
    JPMorgan Chase Bank 6 6.88% $5,478
    CHURCHILL MORTGAGE CORPORATION 5 6.98% $9,005
    LOANDEPOT.COM, LLC 5 6.77% $6,725
    Truist 5 5.88% $5,008
    Morgan Stanley Private Bank 5 6.10% $3,625
    AMCAP MORTGAGE, LTD. 4 7.09% $8,630
    GUILD MORTGAGE COMPANY 4 7.28% $6,571
    CALCON MUTUAL MORTGAGE LLC 4 6.53% $9,608
    PREMIA MORTGAGE, LLC 4 6.44% $5,188
    HOMEBRIDGE FINANCIAL SERVICES, INC. 4 7.12% $11,130
    Flanagan State Bank 3 6.92% $3,053
    CMG MORTGAGE, INC. 3 7.06% $13,088
    NEWREZ LLC 3 6.96% $8,098
    Ixonia Bank 3 7.04% $14,728
    CORNERSTONE HOME LENDING, INC. 3 6.83% $11,924
    Mortgage Research Center, LLC 2 6.81% $5,735
    AMERISAVE MORTGAGE CORPORATION 2 5.87% $9,103
    Bank of America 2 6.88% $6,114
    BMO Harris Bank 2 6.13% $4,692
    BROKER SOLUTIONS, INC. 2 6.75% $8,465
    CROSSCOUNTRY MORTGAGE, LLC 2 6.54% $9,238
    FBC MORTGAGE, LLC 2 6.69% $6,088
    FIRST COLONY MORTGAGE CORPORATION 2 6.69% $8,537
    Flagstar Bank, FSB 2 7.00% $4,828
    HORIZON 2 6.94% $5,605
    LAKEVIEW LOAN SERVICING, LLC 2 6.43% $8,071
    21ST MORTGAGE CORPORATION 2 7.78% $5,275
    Mr. Cooper ( Nationstar Mortgage ) 2 7.00% $13,510
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.75% $4,020
    Northpointe Bank 2 8.06% $7,879
    Sierra Pacific Mortgage Company, Inc. 2 6.75% $6,730
    Umpqua Bank 1 6.88% $4,132
    DIRECTORS MORTGAGE, INC. 1 7.50% $10,570
    DIRECT MORTGAGE, CORP. 1 6.63% $5,848
    MEGASTAR FINANCIAL CORP. 1 7.63% $4,417
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 8.00% $11,042
    MORTGAGE 1 INCORPORATED 1 7.63% $12,887
    AMERICAN FINANCING CORPORATION 1 6.88% $8,941
    MOVEMENT MORTGAGE, LLC 1 6.99% $3,573
    USAA Federal Savings Bank 1 6.88% $5,436
    American Bank Center 1 6.25% $6,997
    NAVY FEDERAL CREDIT UNION 1 7.25% $2,913
    NBKC BANK 1 6.00% $2,246
    Chicago Mortgage Solutions LLC 1 6.07% $4,364
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 5.88% $4,354
    Century Mortgage Company DBA Century Lending Company 1 6.38% $6,491
    Paramount Residential Mortgage Group, Inc. 1 6.50% $6,497
    PENTAGON FEDERAL CREDIT UNION 1 5.88% $3,573
    CARDINAL FINANCIAL 1 6.50% $14,147
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.63% $19,632
    AXIA FINANCIAL, LLC 1 7.25% $4,836
    Ameris Bank 1 5.63% $10,571
    Raymond James Bank 1 4.88% $3,233
    RBC Bank, (Georgia) 1 6.75% $2,251
    Ally Bank 1 5.88% $2,585
    SIRVA MORTGAGE, INC. 1 6.63% $1,227
    Stifel Bank and Trust 1 5.63% $2,584
    American Mortgage & Equity Consultants, Inc. 1 6.88% $9,216
    Sunflower Bank 1 7.13% $6,062
    The Central Trust Bank 1 6.13% $2,548
    The Huntington National Bank 1 6.50% $4,841
    GoPrime Mortgage, Inc. 1 6.62% $18,957
    FREEDOM MORTGAGE CORPORATION 1 6.38% $9,433
    First Western Trust Bank 1 6.13% $4,501
    AMERICAN INTERNET MORTGAGE, INC. 1 6.63% $3,147
    Encompass Lending Group, LP 1 7.88% $7,259
    Discover Bank 1 6.74% $0
    KINECTA 1 5.50% $5,287

    Helena Average Closing Costs & Other Stats

    Helena, MT's 81 lenders originated 1,525 loans during 2023. The total origination value was $414,675,000, with an average loan value of $271,918.

    Helena's average closing costs are $6,046.

    The top Helena lender as defined by loan originations is Opportunity Bank of Montana, with 131 loans originated. Their average total fees are $5,978, which is $1,240 lower than the next largest lender, Glacier Bank.

    The lowest fee Helena lenders (with over 10 loans originated) are U.S. Bank ($5,387), Opportunity Bank of Montana ($5,978), First Interstate Bank ($6,317), UNITED WHOLESALE MORTGAGE, LLC ($6,765) and MANN FINANCIAL INC. ($7,213).

    The lowest rate Helena lenders (with over 10 loans originated) are First Interstate Bank (6.29%), UNITED WHOLESALE MORTGAGE, LLC (6.31%), GUARANTEED RATE, INC. (6.40%), U.S. Bank (6.49%) and Stockman Bank of Montana (6.63%).

    Helena, 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
    Opportunity Bank of Montana $133,345,000 $77,255,000 -42.1% 18.6%
    Glacier Bank $79,370,000 $49,600,000 -37.5% 12.0%
    MANN FINANCIAL INC. $52,025,000 $30,820,000 -40.8% 7.4%
    Stockman Bank of Montana $41,495,000 $29,930,000 -27.9% 7.2%
    QUICKEN LOANS, LLC $30,290,000 $19,770,000 -34.7% 4.8%
    GUARANTEED RATE, INC. $24,305,000 $17,785,000 -26.8% 4.3%
    First Interstate Bank $62,065,000 $16,565,000 -73.3% 4.0%
    U.S. Bank $20,120,000 $16,000,000 -20.5% 3.9%
    UNITED WHOLESALE MORTGAGE, LLC $11,995,000 $15,000,000 25.1% 3.6%
    Mortgage Research Center, LLC $8,770,000 $9,410,000 7.3% 2.3%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $5,370,000 $7,220,000 34.5% 1.7%
    PENNYMAC LOAN SERVICES, LLC $6,125,000 $5,065,000 -17.3% 1.2%
    USAA Federal Savings Bank $7,190,000 $4,760,000 -33.8% 1.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $2,420,000 $4,200,000 73.6% 1.0%
    LOANDEPOT.COM, LLC $8,030,000 $4,105,000 -48.9% 1.0%
    Prosperity Home Mortgage, LLC $3,355,000 n/a 0.8%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $1,350,000 $3,220,000 138.5% 0.8%
    JONES LANG LASALLE MULTIFAMILY, LLC $3,195,000 n/a 0.8%
    Morgan Stanley Private Bank $515,000 $3,165,000 514.6% 0.8%
    NAVY FEDERAL CREDIT UNION $5,890,000 $3,080,000 -47.7% 0.7%
    CRESCENT MORTGAGE COMPANY $5,980,000 $3,035,000 -49.2% 0.7%
    CMG MORTGAGE, INC. $640,000 $2,915,000 355.5% 0.7%
    CROSSCOUNTRY MORTGAGE, LLC $2,970,000 $2,900,000 -2.4% 0.7%
    JPMorgan Chase Bank $4,840,000 $2,755,000 -43.1% 0.7%
    CHURCHILL MORTGAGE CORPORATION $1,215,000 $2,710,000 123.0% 0.7%
    Bank of America $4,555,000 $2,660,000 -41.6% 0.6%
    Arbor Realty Trust, Inc. $2,585,000 n/a 0.6%
    Mr. Cooper ( Nationstar Mortgage ) $4,865,000 $2,480,000 -49.0% 0.6%
    Truist $2,500,000 $2,170,000 -13.2% 0.5%
    Wells Fargo Bank $18,445,000 $2,100,000 -88.6% 0.5%
    First Montana Bank, Inc. $2,165,000 $2,050,000 -5.3% 0.5%
    AMCAP MORTGAGE, LTD. $3,575,000 $2,025,000 -43.4% 0.5%
    FREEDOM MORTGAGE CORPORATION $8,285,000 $2,020,000 -75.6% 0.5%
    Citizens Alliance Bank $2,085,000 $1,930,000 -7.4% 0.5%
    Ixonia Bank $635,000 $1,895,000 198.4% 0.5%
    Northpointe Bank $1,750,000 n/a 0.4%
    NEWREZ LLC $1,715,000 $1,700,000 -0.9% 0.4%
    PREMIA MORTGAGE, LLC $1,870,000 $1,680,000 -10.2% 0.4%
    BROKER SOLUTIONS, INC. $4,325,000 $1,655,000 -61.7% 0.4%
    CARDINAL FINANCIAL $1,030,000 $1,575,000 52.9% 0.4%
    GUILD MORTGAGE COMPANY $5,940,000 $1,430,000 -75.9% 0.3%
    PLANET HOME LENDING, LLC $1,515,000 $1,395,000 -7.9% 0.3%
    CLEARPATH LENDING $1,495,000 $1,335,000 -10.7% 0.3%
    CORNERSTONE HOME LENDING, INC. $4,535,000 $1,265,000 -72.1% 0.3%
    Flagstar Bank, FSB $5,270,000 $1,240,000 -76.5% 0.3%
    BNC National Bank $1,120,000 n/a 0.3%
    TRIAD FINANCIAL SERVICES, INC. $1,115,000 n/a 0.3%
    Paramount Residential Mortgage Group, Inc. $1,390,000 $1,105,000 -20.5% 0.3%
    BMO Harris Bank $1,050,000 $1,080,000 2.9% 0.3%
    American Bank Center $780,000 $1,020,000 30.8% 0.2%
    CALCON MUTUAL MORTGAGE LLC $1,020,000 n/a 0.2%
    Flanagan State Bank $1,775,000 $1,020,000 -42.5% 0.2%
    The Federal Savings Bank $2,810,000 $1,015,000 -63.9% 0.2%
    21ST MORTGAGE CORPORATION $125,000 $965,000 672.0% 0.2%
    LAKEVIEW LOAN SERVICING, LLC $1,805,000 $935,000 -48.2% 0.2%
    Carrington Mortgage Services, LLC $615,000 $915,000 48.8% 0.2%
    NEW DAY FINANCIAL, LLC $980,000 $875,000 -10.7% 0.2%
    Discover Bank $590,000 $845,000 43.2% 0.2%
    Little Horn State Bank $815,000 n/a 0.2%
    AXIA FINANCIAL, LLC $355,000 $800,000 125.4% 0.2%
    FBC MORTGAGE, LLC $545,000 $800,000 46.8% 0.2%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $2,425,000 $705,000 -70.9% 0.2%
    GoPrime Mortgage, Inc. $485,000 $685,000 41.2% 0.2%
    Montana Federal Credit Union $140,000 $660,000 371.4% 0.2%
    Plains Commerce Bank $680,000 $635,000 -6.6% 0.2%
    AMERISAVE MORTGAGE CORPORATION $6,735,000 $615,000 -90.9% 0.1%
    Sierra Pacific Mortgage Company, Inc. $605,000 n/a 0.1%
    WINGS FINANCIAL $555,000 n/a 0.1%
    PENTAGON FEDERAL CREDIT UNION $1,525,000 $525,000 -65.6% 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $235,000 $525,000 123.4% 0.1%
    FIRST COLONY MORTGAGE CORPORATION $455,000 $520,000 14.3% 0.1%
    HORIZON $110,000 $500,000 354.5% 0.1%
    Century Mortgage Company DBA Century Lending Company $485,000 n/a 0.1%
    NETWORK CAPITAL FUNDING CORPORATION $670,000 $465,000 -30.6% 0.1%
    PLAZA HOME MORTGAGE, INC. $455,000 n/a 0.1%
    Raymond James Bank $85,000 $455,000 435.3% 0.1%
    AMERICAN INTERNET MORTGAGE, INC. $445,000 n/a 0.1%
    The Huntington National Bank $2,545,000 $425,000 -83.3% 0.1%
    DIRECTORS MORTGAGE, INC. $680,000 $415,000 -39.0% 0.1%
    KINECTA $275,000 $415,000 50.9% 0.1%
    American Mortgage & Equity Consultants, Inc. $405,000 n/a 0.1%
    ENVOY MORTGAGE, LTD $1,060,000 $405,000 -61.8% 0.1%
    Stifel Bank and Trust $405,000 n/a 0.1%
    Sunflower Bank $405,000 $395,000 -2.5% 0.1%
    SIRVA MORTGAGE, INC. $375,000 n/a 0.1%
    Willamette Valley Bank $810,000 $375,000 -53.7% 0.1%
    First Western Trust Bank $365,000 n/a 0.1%
    PNC Bank $2,370,000 $365,000 -84.6% 0.1%
    Ally Bank $510,000 $355,000 -30.4% 0.1%
    First-Citizens Bank & Trust Company $355,000 n/a 0.1%
    Mid-Continent Funding, Inc. $355,000 n/a 0.1%
    CITYWIDE HOME LOANS, LLC $405,000 $345,000 -14.8% 0.1%
    NBKC BANK $650,000 $325,000 -50.0% 0.1%
    RBC Bank, (Georgia) $325,000 n/a 0.1%
    The Central Trust Bank $315,000 n/a 0.1%
    MORTGAGE 1 INCORPORATED $955,000 $305,000 -68.1% 0.1%
    RESIDENTIAL BANCORP $305,000 n/a 0.1%
    CITY FIRST MORTGAGE SERVICES, L.L.C. $295,000 n/a 0.1%
    MEGASTAR FINANCIAL CORP. $295,000 n/a 0.1%
    PHH Mortgage Corporation $280,000 $295,000 5.4% 0.1%
    Ameris Bank $285,000 n/a 0.1%
    LENDINGONE, LLC $285,000 n/a 0.1%
    WRIGHT-PATT CREDIT UNION, INC. $285,000 n/a 0.1%
    Encompass Lending Group, LP $275,000 n/a 0.1%
    Citizens Bank Minnesota $355,000 $265,000 -25.4% 0.1%
    DIRECT MORTGAGE, CORP. $425,000 $255,000 -40.0% 0.1%
    AMERICAN FINANCING CORPORATION $1,575,000 $245,000 -84.4% 0.1%
    FINANCE OF AMERICA REVERSE LLC $245,000 n/a 0.1%
    SPRING EQ, LLC $170,000 $245,000 44.1% 0.1%
    Brighton Bank $205,000 n/a 0.0%
    Belt Valley Bank $195,000 n/a 0.0%
    Figure Lending LLC $735,000 $195,000 -73.5% 0.0%
    CREDIT HUMAN FEDERAL CREDIT UNION $95,000 $190,000 100.0% 0.0%
    HIWAY $175,000 n/a 0.0%
    AMERICAN UNITED FAMILY OF CREDIT UN $170,000 n/a 0.0%
    MOVEMENT MORTGAGE, LLC $155,000 n/a 0.0%
    Commerce Bank $135,000 n/a 0.0%
    MOUNTAIN AMERICA $85,000 $135,000 58.8% 0.0%
    Chicago Mortgage Solutions LLC $115,000 n/a 0.0%
    Bethpage Federal Credit Union $105,000 n/a 0.0%
    STAR USA FEDERAL CREDIT UNION $105,000 n/a 0.0%
    BANKWEST, INC. $515,000 $55,000 -89.3% 0.0%
    Umpqua Bank $55,000 n/a 0.0%

    Helena's top lender by overall market share is Opportunity Bank of Montana, with 18.6% market share. In second place, with 12.0%, is Glacier Bank, having originated $49,600,000 in loans. In third place, with 7.4%, is MANN FINANCIAL INC., having originated $30,820,000 in loans. In fourth place, with 7.2%, is Stockman Bank of Montana, having originated $29,930,000 in loans. In fifth place, with 4.8%, is QUICKEN LOANS, LLC, having originated $19,770,000 in loans.

    Helena Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Helena (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 $284,650 (-1.7%) $428,212 (17.5%) 0.00 442
    2018-02-01 $284,900 (-1.5%) $388,880 (6.5%) 0.00 455
    2018-03-01 $299,000 (3.5%) $391,496 (-0.7%) 0.00 492
    2018-04-01 $299,925 (3.8%) $424,798 (9.2%) 0.00 557
    2018-05-01 $299,900 (4.1%) $415,992 (8.1%) 0.00 621
    2018-06-01 $302,200 (6.1%) $408,766 (6.8%) 0.00 687
    2018-07-01 $310,000 (9.2%) $416,900 (10.0%) 0.00 701
    2018-08-01 $302,525 (6.3%) $415,826 (8.8%) 0.00 689
    2018-09-01 $299,900 (3.5%) $416,867 (12.2%) 0.00 697
    2018-10-01 $304,900 (5.7%) $422,861 (12.7%) 0.00 646
    2018-11-01 $328,000 (13.1%) $481,050 (22.1%) 0.00 404
    2018-12-01 $326,000 (12.5%) $479,685 (19.9%) 0.00 365
    2019-01-01 $314,900 (10.6%) $480,939 (12.3%) 0.00 331
    2019-02-01 $319,950 (12.3%) $486,257 (25.0%) 0.00 309
    2019-03-01 $327,043 (9.4%) $489,334 (25.0%) 0.00 310
    2019-04-01 $327,093 (9.1%) $490,996 (15.6%) 0.00 309
    2019-05-01 $325,000 (8.4%) $491,775 (18.2%) 0.00 337
    2019-06-01 $324,500 (7.4%) $482,434 (18.0%) 0.00 366
    2019-07-01 $320,725 (3.5%) $460,158 (10.4%) 0.00 395
    2019-08-01 $317,827 (5.1%) $455,582 (9.6%) 0.00 386
    2019-09-01 $316,068 (5.4%) $453,402 (8.8%) 0.00 373
    2019-10-01 $315,045 (3.3%) $452,559 (7.0%) 0.00 358
    2019-11-01 $320,000 (-2.4%) $460,700 (-4.2%) 0.00 316
    2019-12-01 $320,000 (-1.8%) $487,288 (1.6%) 0.00 278
    2020-01-01 $321,000 (1.9%) $471,920 (-1.9%) 0.00 242
    2020-02-01 $334,500 (4.6%) $526,684 (8.3%) 0.00 231
    2020-03-01 $344,675 (5.4%) $544,927 (11.4%) 0.00 228
    2020-04-01 $355,750 (8.8%) $540,271 (10.0%) 0.00 241
    2020-05-01 $365,000 (12.3%) $551,080 (12.1%) 0.00 231
    2020-06-01 $367,675 (13.3%) $544,093 (12.8%) 0.00 221
    2020-07-01 $382,400 (19.2%) $586,872 (27.5%) 0.00 195
    2020-08-01 $399,900 (25.8%) $578,995 (27.1%) 0.00 176
    2020-09-01 $414,975 (31.3%) $568,956 (25.5%) 0.00 176
    2020-10-01 $409,450 (30.0%) $566,362 (25.2%) 0.00 156
    2020-11-01 $462,450 (44.5%) $607,282 (31.8%) 0.00 120
    2020-12-01 $453,675 (41.8%) $619,606 (27.2%) 0.00 101
    2021-01-01 $419,450 (30.7%) $613,033 (29.9%) 0.00 93
    2021-02-01 $451,925 (35.1%) $642,076 (21.9%) 0.00 77
    2021-03-01 $469,638 (36.3%) $654,974 (20.2%) 0.00 83
    2021-04-01 $454,900 (27.9%) $641,543 (18.7%) 0.00 96
    2021-05-01 $448,500 (22.9%) $636,924 (15.6%) 0.00 101
    2021-06-01 $474,450 (29.0%) $673,695 (23.8%) 0.00 113
    2021-07-01 $475,000 (24.2%) $654,316 (11.5%) 0.00 143
    2021-08-01 $472,000 (18.0%) $640,288 (10.6%) 0.00 151
    2021-09-01 $488,750 (17.8%) $664,459 (16.8%) 0.00 137
    2021-10-01 $499,000 (21.9%) $660,974 (16.7%) 0.00 126
    2021-11-01 $525,800 (13.7%) $700,079 (15.3%) 0.00 111
    2021-12-01 $549,500 (21.1%) $706,888 (14.1%) 0.00 80
    2022-01-01 $550,000 (31.1%) $734,391 (19.8%) 0.00 63
    2022-02-01 $562,500 (24.5%) $715,059 (11.4%) 0.00 69
    2022-03-01 $537,825 (14.5%) $648,176 (-1.0%) 0.00 69
    2022-04-01 $550,000 (20.9%) $661,575 (3.1%) 0.00 77
    2022-05-01 $539,500 (20.3%) $664,320 (4.3%) 0.00 102
    2022-06-01 $584,725 (23.2%) $780,285 (15.8%) 0.00 119
    2022-07-01 $589,900 (24.2%) $805,225 (23.1%) 0.00 161
    2022-08-01 $599,450 (27.0%) $805,691 (25.8%) 0.00 188
    2022-09-01 $599,000 (22.6%) $820,394 (23.5%) 0.00 183
    2022-10-01 $580,000 (16.2%) $810,798 (22.7%) 0.00 189
    2022-11-01 $550,000 (4.6%) $786,655 (12.4%) 0.00 189
    2022-12-01 $569,000 (3.6%) $813,523 (15.1%) 0.00 158
    2023-01-01 $575,500 (4.6%) $800,268 (9.0%) 0.00 151
    2023-02-01 $579,450 (3.0%) $838,234 (17.2%) 0.00 130
    2023-03-01 $553,675 (3.0%) $809,761 (24.9%) 0.00 140
    2023-04-01 $585,000 (6.4%) $813,535 (23.0%) 0.00 143
    2023-05-01 $602,200 (11.6%) $848,188 (27.7%) 0.00 164
    2023-06-01 $649,950 (11.2%) $850,796 (9.0%) 0.00 192
    2023-07-01 $656,950 (11.4%) $886,380 (10.1%) 0.00 210
    2023-08-01 $632,000 (5.4%) $845,474 (4.9%) 0.00 224
    2023-09-01 $625,000 (4.3%) $824,915 (0.6%) 0.00 231
    2023-10-01 $599,900 (3.4%) $811,091 (0.0%) 0.00 227
    2023-11-01 $609,925 (10.9%) $893,085 (13.5%) 0.00 214
    2023-12-01 $599,900 (5.4%) $901,660 (10.8%) 0.00 187
    2024-01-01 $556,850 (-3.2%) $891,041 (11.3%) 0.00 166
    2024-02-01 $584,950 (1.0%) $887,679 (5.9%) 0.00 165
    2024-03-01 $625,000 (12.9%) $923,872 (14.1%) 0.00 170
    Helena's median listing price for 2024-03-01 was $625,000, a difference of $71,325 (12.9%) versus the prior year and $40,050 versus the prior month.

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

    Helena's average listing price for 2024-03-01 was $923,872, a difference of $114,111 (14.1%) versus the prior year and $36,193 versus the prior month.

    For the 2024-03-01 period, Helena had 170 MLS listings, a difference of 5 listings (3%) versus the prior month and 30 listings (21%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Helena (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,968 sqft
    2018-02-01 0 days 2,005 sqft
    2018-03-01 0 days 2,048 sqft
    2018-04-01 0 days 2,075 sqft
    2018-05-01 0 days 2,123 sqft
    2018-06-01 0 days 2,118 sqft
    2018-07-01 0 days 2,129 sqft
    2018-08-01 0 days 2,118 sqft
    2018-09-01 0 days 2,126 sqft
    2018-10-01 0 days 2,247 sqft
    2018-11-01 0 days 2,321 sqft
    2018-12-01 0 days 2,248 sqft
    2019-01-01 0 days 2,162 sqft
    2019-02-01 0 days 2,184 sqft
    2019-03-01 0 days 2,210 sqft
    2019-04-01 0 days 2,231 sqft
    2019-05-01 0 days 2,182 sqft
    2019-06-01 0 days 2,215 sqft
    2019-07-01 0 days 2,189 sqft
    2019-08-01 0 days 2,173 sqft
    2019-09-01 0 days 2,143 sqft
    2019-10-01 0 days 2,127 sqft
    2019-11-01 0 days 2,144 sqft
    2019-12-01 0 days 2,116 sqft
    2020-01-01 0 days 2,065 sqft
    2020-02-01 0 days 2,101 sqft
    2020-03-01 0 days 2,149 sqft
    2020-04-01 0 days 2,234 sqft
    2020-05-01 0 days 2,226 sqft
    2020-06-01 0 days 2,272 sqft
    2020-07-01 0 days 2,300 sqft
    2020-08-01 0 days 2,388 sqft
    2020-09-01 0 days 2,412 sqft
    2020-10-01 0 days 2,400 sqft
    2020-11-01 0 days 2,429 sqft
    2020-12-01 0 days 2,414 sqft
    2021-01-01 0 days 2,352 sqft
    2021-02-01 0 days 2,284 sqft
    2021-03-01 0 days 2,269 sqft
    2021-04-01 0 days 2,114 sqft
    2021-05-01 0 days 2,016 sqft
    2021-06-01 0 days 2,074 sqft
    2021-07-01 0 days 2,074 sqft
    2021-08-01 0 days 2,053 sqft
    2021-09-01 0 days 2,194 sqft
    2021-10-01 0 days 2,116 sqft
    2021-11-01 0 days 2,117 sqft
    2021-12-01 0 days 2,205 sqft
    2022-01-01 0 days 2,196 sqft
    2022-02-01 0 days 2,266 sqft
    2022-03-01 0 days 2,110 sqft
    2022-04-01 0 days 2,164 sqft
    2022-05-01 0 days 2,137 sqft
    2022-06-01 0 days 2,164 sqft
    2022-07-01 0 days 2,153 sqft
    2022-08-01 0 days 2,090 sqft
    2022-09-01 0 days 2,118 sqft
    2022-10-01 0 days 2,128 sqft
    2022-11-01 0 days 2,114 sqft
    2022-12-01 0 days 2,112 sqft
    2023-01-01 0 days 2,112 sqft
    2023-02-01 0 days 2,112 sqft
    2023-03-01 0 days 2,035 sqft
    2023-04-01 0 days 2,070 sqft
    2023-05-01 0 days 2,196 sqft
    2023-06-01 0 days 2,202 sqft
    2023-07-01 0 days 2,200 sqft
    2023-08-01 0 days 2,164 sqft
    2023-09-01 0 days 2,148 sqft
    2023-10-01 0 days 2,101 sqft
    2023-11-01 0 days 2,126 sqft
    2023-12-01 0 days 2,136 sqft
    2024-01-01 0 days 2,115 sqft
    2024-02-01 0 days 2,146 sqft
    2024-03-01 0 days 2,175 sqft
    Helena's median listing age (time on market) for 2024-03-01 was 0 days.

    Helena's median square footage for active listings during the 2024-03-01 period was 2,175 sqft. One year prior, the average listing was 2,035 sqft.

    Helena, MT Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 867 $304,545,000 $351,263
    Home Improvement 215 $18,665,000 $86,814
    Cash Out Refi 174 $48,000,000 $275,862
    Other 142 $13,950,000 $98,239
    Refi 127 $29,515,000 $232,402

    Helena's most frequently cited loan purpose was Home Purchase, with 867 originations. The 2nd most popular reason was Home Improvement, with 215 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 492 $173,290,000 $352,215
    Over 8% 402 $49,570,000 $123,308
    7-8% 356 $93,330,000 $262,163
    5-6% 221 $78,515,000 $355,271
    4-5% 18 $11,270,000 $626,111
    <2.5% 9 $1,425,000 $158,333
    3-4% 4 $730,000 $182,500
    2.5-3% 2 $570,000 $285,000

    During 2023, Helena's most frequently originated rate bucket was 6-7%, with 492 originations.

    Loan Sizing (Helena, MT MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 584 $175,060,000 $299,760
    $100,000 or less 338 $18,190,000 $53,817
    $100k-200k 278 $39,540,000 $142,230
    $400k-600k 248 $117,200,000 $472,581
    $600k-1000k 65 $45,025,000 $692,692
    $Over $1MM 12 $19,660,000 $1,638,333

    Helena's loan sizing saw the bucket of loans from $200k-400k with 584 originations, totaling $175,060,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 403 $162,565,000 $403,387
    Under 20% 339 $22,325,000 $65,855
    60-80% 299 $110,495,000 $369,548
    20-40% 220 $39,750,000 $180,682
    40-60% 216 $60,560,000 $280,370
    Over 100% 22 $11,400,000 $518,182

    Helena's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 403 originations, totaling $162,565,000 in origination value.