Helena Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Helena averaged 6.83% for the week of 2024-06-06, compared to the national average of 6.99% for the same period.

The average rate for the prior week (2024-05-30) was 7.17% and one month ago for the week of 2024-05-02, the average rate was 7.16%.

Helena's average rate one year ago was 6.73%.

For refis of the same type during the week of 2024-06-06, the average rate was 7.19%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-06-06 6.99%
Helena 30 Year Fixed Rate 2024-06-06 6.83%
Helena 30 Year Fixed Rate Refi 2024-06-06 7.19%
Helena 15 Year Fixed Rate 2024-06-06 6.09%
Helena 15 Year Fixed Rate Refi 2024-06-06 6.69%
Helena 30 Year FHA 2024-06-06 6.44%
Helena 30 Year FHA Refi 2024-06-06 6.79%
Helena 30 Year USDA 2024-06-06 6.9%
Helena 30 Year USDA Refi 2024-06-06 6.6%
Helena 30 Year VA 2024-06-06 6.09%
Helena 30 Year VA Refi 2024-06-06 6.39%
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
2024-04-01 $651,750 (11.4%) $868,015 (6.7%) 0.00 195
2024-05-01 $671,750 (11.6%) $878,306 (3.6%) 0.00 253
Helena's median listing price for 2024-05-01 was $671,750, a difference of $69,550 (11.6%) versus the prior year and $20,000 versus the prior month.

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

Helena's average listing price for 2024-05-01 was $878,306, a difference of $30,118 (3.6%) versus the prior year and $10,291 versus the prior month.

For the 2024-05-01 period, Helena had 253 MLS listings, a difference of 58 listings (30%) versus the prior month and 89 listings (54%) 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
2024-04-01 0 days 2,233 sqft
2024-05-01 0 days 2,258 sqft
Helena's median listing age (time on market) for 2024-05-01 was 0 days.

Helena's median square footage for active listings during the 2024-05-01 period was 2,258 sqft. One year prior, the average listing was 2,196 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.