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 6.61% for the week of 2023-03-23, compared to the national average of 6.42% for the same period.

The average rate for the prior week (2023-03-16) was 6.69% and one month ago for the week of 2023-02-16, the average rate was 6.61%.

Helena's average rate one year ago was 3.78%.

For refis of the same type during the week of 2023-03-23, the average rate was 6.95%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-03-23 6.42%
Helena 30 Year Fixed Rate 2023-03-23 6.61%
Helena 30 Year Fixed Rate Refi 2023-03-23 6.95%
Helena 15 Year Fixed Rate 2023-03-23 6.28%
Helena 15 Year Fixed Rate Refi 2023-03-23 6.24%
Helena 30 Year FHA 2023-03-23 5.84%
Helena 30 Year FHA Refi 2023-03-23 5.87%
Helena 30 Year USDA 2023-03-23 6.12%
Helena 30 Year USDA Refi 2023-03-23 5.83%
Helena 30 Year VA 2023-03-23 6.01%
Helena 30 Year VA Refi 2023-03-23 5.48%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
Opportunity Bank of Montana 225 5.01% $6,799
Glacier Bank 95 4.71% $5,977
Stockman Bank of Montana 84 4.90% $6,312
MANN FINANCIAL INC. 73 5.25% $8,788
First Interstate Bank 61 4.71% $5,752
QUICKEN LOANS, LLC 48 4.78% $8,727
Wells Fargo Bank 47 4.50% $5,141
GUARANTEED RATE, INC. 37 4.65% $8,468
U.S. Bank 31 4.62% $6,248
UNITED WHOLESALE MORTGAGE, LLC 21 4.93% $6,760
CRESCENT MORTGAGE COMPANY 15 4.56% $6,691
BROKER SOLUTIONS, INC. 12 5.21% $6,466
JPMorgan Chase Bank 11 4.26% $5,801
Flagstar Bank, FSB 10 4.49% $6,848
AMERISAVE MORTGAGE CORPORATION 10 3.89% $8,451
GUILD MORTGAGE COMPANY 9 5.40% $6,987
Mr. Cooper ( Nationstar Mortgage ) 9 4.73% $9,862
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 5.40% $7,098
LOANDEPOT.COM, LLC 9 4.28% $10,941
CROSSCOUNTRY MORTGAGE, LLC 8 5.36% $7,056
BETTER MORTGAGE CORPORATION 8 3.97% $4,661
CORNERSTONE HOME LENDING, INC. 6 5.02% $8,713
FREEDOM MORTGAGE CORPORATION 6 3.81% $4,700
Bank of America 6 4.46% $4,866
PENNYMAC LOAN SERVICES, LLC 5 3.95% $10,013
PRIMELENDING, A PLAINSCAPITAL COMPANY 5 5.10% $6,066
NAVY FEDERAL CREDIT UNION 5 5.88% $4,246
CHERRY CREEK MORTGAGE, LLC 5 5.70% $952
ZILLOW HOME LOANS, LLC 5 3.98% $7,606
USAA Federal Savings Bank 4 4.69% $7,119
Flanagan State Bank 4 4.63% $7,877
AMERICAN PACIFIC MORTGAGE CORPORATION 4 5.41% $6,659
AMCAP MORTGAGE, LTD. 4 6.28% $12,040
PREMIA MORTGAGE, LLC 4 5.01% $4,172
MORTGAGE 1 INCORPORATED 3 6.29% $3,747
Paramount Residential Mortgage Group, Inc. 3 4.42% $6,117
CANOPY MORTGAGE, LLC 3 3.71% $2,872
CALIBER HOME LOANS, INC. 3 5.00% $5,111
LAKEVIEW LOAN SERVICING, LLC 3 4.08% $7,780
BAY EQUITY LLC 3 5.88% $6,162
The Huntington National Bank 3 5.13% $10,533
Hometown Lenders, Inc. 3 4.42% $8,236
Truist 3 4.95% $5,690
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 5.63% $8,747
American Bank Center 2 4.31% $6,899
Barrington Bank & Trust Company, N.A. 2 4.06% $5,836
BMO Harris Bank 2 4.00% $5,920
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 2 3.63% $9,608
CHURCHILL MORTGAGE CORPORATION 2 5.94% $4,844
First Guaranty Mortgage Corporation 2 3.69% $3,574
KeyBank 2 3.94% $14,861
MUTUAL OF OMAHA MORTGAGE, INC. 2 4.06% $5,179
Nations Lending Corporation 2 3.94% $8,670
NBH Bank 2 4.56% $2,477
North American Savings Bank, F.S.B. 2 4.63% $3,546
PENTAGON FEDERAL CREDIT UNION 2 4.69% $3,216
PNC Bank 2 5.56% $3,898
Willamette Valley Bank 2 5.44% $6,978
KINECTA 1 5.88% $4,002
DIRECTORS MORTGAGE, INC. 1 3.95% $11,346
DIRECT MORTGAGE, CORP. 1 7.50% $7,503
DELMAR FINANCIAL COMPANY 1 3.50% $3,846
Morgan Stanley Private Bank 1 3.00% $4,082
CMG MORTGAGE, INC. 1 3.88% $4,088
Mortgage Research Center, LLC 1 2.99% $4,988
CITYWIDE HOME LOANS, LLC 1 4.00% $11,788
AMERICAN FINANCING CORPORATION 1 5.13% $8,955
AMERICAN ADVISORS GROUP 1 4.50% $4,069
City National Bank of Florida 1 6.38% $6,297
VAN DYK MORTGAGE CORPORATION 1 3.75% $4,537
NBKC BANK 1 3.75% $1,986
NEWREZ LLC 1 3.38% $3,512
Ally Bank 1 3.50% $2,510
NORTHROP GRUMMAN Federal Credit Union 1 4.50% $5,293
Northwest Farm Credit Services, FLCA 1 6.05% $4,076
CITIZENS EQUITY FIRST 1 4.88% $3,626
Citizens Bank Minnesota 1 5.63% $6,600
Citizens Bank 1 4.63% $3,226
ACADEMY MORTGAGE CORPORATION 1 4.88% $9,973
PHH Mortgage Corporation 1 3.88% $6,607
PLANET HOME LENDING, LLC 1 3.50% $4,460
Platinum Home Mortgage Corporation 1 4.25% $6,840
Wyndham Capital Mortgage, Inc. 1 4.88% $21,178
Carrington Mortgage Services, LLC 1 4.25% $5,787
Bell Bank 1 5.25% $5,050
AXIA FINANCIAL, LLC 1 4.88% $3,532
Raymond James Bank 1 2.88% $2,858
Semper Home Loans, Inc. 1 3.75% $2,407
SOFI LENDING CORP. 1 3.88% $5,122
Assurance Financial Group, L.L.C. 1 5.62% $4,798
SWBC MORTGAGE CORPORATION 1 5.25% $4,851
The Federal Savings Bank 1 5.38% $22,143
Arvest Bank 1 3.50% $3,029
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.63% $3,821
UBS Bank USA 1 5.63% $3,255
UMB Bank 1 3.80% $2,060
Gateway First Bank 1 4.00% $3,337
First Republic Bank 1 3.30% $10,877
1st Security Bank of Washington 1 3.50% $4,748
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION 1 3.50% $3,360
Ixonia Bank 1 6.99% $8,566
ENVOY MORTGAGE, LTD 1 3.00% $9,269
KELLER MORTGAGE, LLC 1 4.88% $3,001
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 4.38% $6,365

Helena Average Closing Costs & Other Stats

Helena, MT's 104 lenders originated 2,331 loans during 2022. The total origination value was $694,915,000, with an average loan value of $298,119.

Helena's average closing costs are $5,835.

The top Helena lender as defined by loan originations is Opportunity Bank of Montana, with 225 loans originated. Their average total fees are $6,799, which is $821 higher than the next largest lender, Glacier Bank.

The lowest fee Helena lenders (with over 10 loans originated) are Wells Fargo Bank ($5,141), First Interstate Bank ($5,752), JPMorgan Chase Bank ($5,801), Glacier Bank ($5,977) and U.S. Bank ($6,248).

The lowest rate Helena lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (3.89%), JPMorgan Chase Bank (4.26%), Flagstar Bank, FSB (4.49%), Wells Fargo Bank (4.50%) and CRESCENT MORTGAGE COMPANY (4.56%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
Opportunity Bank of Montana $202,500,000 $133,345,000 -34.2% 19.2%
Glacier Bank $120,230,000 $79,370,000 -34.0% 11.4%
First Interstate Bank $82,685,000 $62,065,000 -24.9% 8.9%
MANN FINANCIAL INC. $90,065,000 $52,025,000 -42.2% 7.5%
Stockman Bank of Montana $73,525,000 $41,495,000 -43.6% 6.0%
QUICKEN LOANS, LLC $72,190,000 $30,290,000 -58.0% 4.4%
GUARANTEED RATE, INC. $13,715,000 $24,305,000 77.2% 3.5%
U.S. Bank $23,405,000 $20,120,000 -14.0% 2.9%
Wells Fargo Bank $60,715,000 $18,445,000 -69.6% 2.7%
UNITED WHOLESALE MORTGAGE, LLC $12,000,000 $11,995,000 0.0% 1.7%
CBRE MULTIFAMILY CAPITAL, INC. $9,335,000 n/a 1.3%
Mortgage Research Center, LLC $20,005,000 $8,770,000 -56.2% 1.3%
FREEDOM MORTGAGE CORPORATION $36,135,000 $8,285,000 -77.1% 1.2%
LOANDEPOT.COM, LLC $27,185,000 $8,030,000 -70.5% 1.2%
USAA Federal Savings Bank $7,340,000 $7,190,000 -2.0% 1.0%
REVERSE MORTGAGE FUNDING LLC $5,515,000 $7,100,000 28.7% 1.0%
AMERISAVE MORTGAGE CORPORATION $21,750,000 $6,735,000 -69.0% 1.0%
PENNYMAC LOAN SERVICES, LLC $18,750,000 $6,125,000 -67.3% 0.9%
CRESCENT MORTGAGE COMPANY $14,450,000 $5,980,000 -58.6% 0.9%
GUILD MORTGAGE COMPANY $6,255,000 $5,940,000 -5.0% 0.9%
NAVY FEDERAL CREDIT UNION $7,410,000 $5,890,000 -20.5% 0.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $6,155,000 $5,370,000 -12.8% 0.8%
Flagstar Bank, FSB $10,220,000 $5,270,000 -48.4% 0.8%
Mr. Cooper ( Nationstar Mortgage ) $9,505,000 $4,865,000 -48.8% 0.7%
JPMorgan Chase Bank $26,980,000 $4,840,000 -82.1% 0.7%
Bank of America $2,640,000 $4,555,000 72.5% 0.7%
CORNERSTONE HOME LENDING, INC. $4,880,000 $4,535,000 -7.1% 0.7%
BROKER SOLUTIONS, INC. $6,030,000 $4,325,000 -28.3% 0.6%
AMCAP MORTGAGE, LTD. $4,250,000 $3,575,000 -15.9% 0.5%
BETTER MORTGAGE CORPORATION $12,440,000 $3,465,000 -72.1% 0.5%
CROSSCOUNTRY MORTGAGE, LLC $2,140,000 $2,970,000 38.8% 0.4%
CALIBER HOME LOANS, INC. $4,830,000 $2,850,000 -41.0% 0.4%
The Federal Savings Bank $4,140,000 $2,810,000 -32.1% 0.4%
The Huntington National Bank $755,000 $2,545,000 237.1% 0.4%
Truist $2,500,000 n/a 0.4%
PRIMELENDING, A PLAINSCAPITAL COMPANY $3,085,000 $2,425,000 -21.4% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $3,000,000 $2,420,000 -19.3% 0.3%
PNC Bank $1,315,000 $2,370,000 80.2% 0.3%
ZILLOW HOME LOANS, LLC $2,225,000 n/a 0.3%
First Montana Bank, Inc. $465,000 $2,165,000 365.6% 0.3%
Citizens Alliance Bank $2,570,000 $2,085,000 -18.9% 0.3%
AMERICAN PACIFIC MORTGAGE CORPORATION $2,585,000 $2,015,000 -22.1% 0.3%
CHERRY CREEK MORTGAGE, LLC $3,645,000 $1,905,000 -47.7% 0.3%
Independent Bank $1,895,000 n/a 0.3%
PREMIA MORTGAGE, LLC $850,000 $1,870,000 120.0% 0.3%
LAKEVIEW LOAN SERVICING, LLC $8,910,000 $1,805,000 -79.7% 0.3%
Flanagan State Bank $2,310,000 $1,775,000 -23.2% 0.3%
KeyBank $865,000 $1,770,000 104.6% 0.3%
BAY EQUITY LLC $2,050,000 $1,720,000 -16.1% 0.2%
NEWREZ LLC $5,475,000 $1,715,000 -68.7% 0.2%
Hometown Lenders, Inc. $5,275,000 $1,580,000 -70.0% 0.2%
AMERICAN FINANCING CORPORATION $2,655,000 $1,575,000 -40.7% 0.2%
PENTAGON FEDERAL CREDIT UNION $1,120,000 $1,525,000 36.2% 0.2%
PLANET HOME LENDING, LLC $3,270,000 $1,515,000 -53.7% 0.2%
CLEARPATH LENDING $3,420,000 $1,495,000 -56.3% 0.2%
Paramount Residential Mortgage Group, Inc. $995,000 $1,390,000 39.7% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $560,000 $1,350,000 141.1% 0.2%
AMERICAN ADVISORS GROUP $365,000 $1,235,000 238.4% 0.2%
CHURCHILL MORTGAGE CORPORATION $1,675,000 $1,215,000 -27.5% 0.2%
CANOPY MORTGAGE, LLC $285,000 $1,125,000 294.7% 0.2%
Nations Lending Corporation $2,680,000 $1,080,000 -59.7% 0.2%
ENVOY MORTGAGE, LTD $155,000 $1,060,000 583.9% 0.2%
BMO Harris Bank $1,050,000 n/a 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $2,350,000 $1,030,000 -56.2% 0.1%
First Republic Bank $1,005,000 n/a 0.1%
NEW DAY FINANCIAL, LLC $3,975,000 $980,000 -75.3% 0.1%
Wyndham Capital Mortgage, Inc. $2,545,000 $970,000 -61.9% 0.1%
MORTGAGE 1 INCORPORATED $1,560,000 $955,000 -38.8% 0.1%
Rocky Mountain Bank $4,805,000 $840,000 -82.5% 0.1%
Unify Home Lending Inc. $420,000 $810,000 92.9% 0.1%
Willamette Valley Bank $640,000 $810,000 26.6% 0.1%
First Guaranty Mortgage Corporation $915,000 $805,000 -12.0% 0.1%
North American Savings Bank, F.S.B. $2,685,000 $790,000 -70.6% 0.1%
American Bank Center $1,700,000 $780,000 -54.1% 0.1%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $490,000 $780,000 59.2% 0.1%
Figure Lending LLC $140,000 $735,000 425.0% 0.1%
UNIVERSAL LENDING CORPORATION $3,655,000 $735,000 -79.9% 0.1%
Barrington Bank & Trust Company, N.A. $3,110,000 $710,000 -77.2% 0.1%
TrailWest Bank $45,000 $705,000 1,466.7% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $690,000 n/a 0.1%
DIRECTORS MORTGAGE, INC. $680,000 n/a 0.1%
Gateway First Bank $680,000 n/a 0.1%
Plains Commerce Bank $1,825,000 $680,000 -62.7% 0.1%
NETWORK CAPITAL FUNDING CORPORATION $670,000 n/a 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $310,000 $650,000 109.7% 0.1%
NBKC BANK $3,670,000 $650,000 -82.3% 0.1%
CMG MORTGAGE, INC. $1,620,000 $640,000 -60.5% 0.1%
Ixonia Bank $305,000 $635,000 108.2% 0.1%
Carrington Mortgage Services, LLC $2,280,000 $615,000 -73.0% 0.1%
SOFI LENDING CORP. $5,345,000 $610,000 -88.6% 0.1%
NBH Bank $215,000 $600,000 179.1% 0.1%
Discover Bank $260,000 $590,000 126.9% 0.1%
VILLAGE CAPITAL MORTGAGE $2,220,000 $570,000 -74.3% 0.1%
FBC MORTGAGE, LLC $545,000 n/a 0.1%
BANKWEST, INC. $515,000 n/a 0.1%
Morgan Stanley Private Bank $515,000 n/a 0.1%
Ally Bank $1,560,000 $510,000 -67.3% 0.1%
GoPrime Mortgage, Inc. $1,735,000 $485,000 -72.0% 0.1%
Gate City Bank $475,000 n/a 0.1%
The Union Bank Company $490,000 $475,000 -3.1% 0.1%
FIRST COLONY MORTGAGE CORPORATION $455,000 n/a 0.1%
DIRECT MORTGAGE, CORP. $425,000 n/a 0.1%
Assurance Financial Group, L.L.C. $405,000 n/a 0.1%
CITYWIDE HOME LOANS, LLC $405,000 n/a 0.1%
Sunflower Bank $405,000 n/a 0.1%
First Horizon Bank $395,000 n/a 0.1%
Platinum Home Mortgage Corporation $720,000 $395,000 -45.1% 0.1%
NORTHROP GRUMMAN Federal Credit Union $385,000 n/a 0.1%
Greenbox Loans, Inc. $375,000 $375,000 0.0% 0.1%
HOMESTAR FINANCIAL CORPORATION $375,000 n/a 0.1%
Citizens Bank $670,000 $370,000 -44.8% 0.1%
AXIA FINANCIAL, LLC $355,000 n/a 0.1%
Citizens Bank Minnesota $355,000 n/a 0.1%
Paramount Bank $355,000 n/a 0.1%
DELMAR FINANCIAL COMPANY $215,000 $335,000 55.8% 0.0%
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $335,000 n/a 0.0%
NATIONS DIRECT MORTGAGE, LLC $335,000 n/a 0.0%
ACADEMY MORTGAGE CORPORATION $325,000 n/a 0.0%
VAN DYK MORTGAGE CORPORATION $325,000 n/a 0.0%
UBS Bank USA $545,000 $315,000 -42.2% 0.0%
CITIZENS EQUITY FIRST $300,000 n/a 0.0%
Magnolia Bank $1,580,000 $295,000 -81.3% 0.0%
Arvest Bank $315,000 $285,000 -9.5% 0.0%
HOME POINT FINANCIAL CORPORATION $1,570,000 $285,000 -81.8% 0.0%
PHH Mortgage Corporation $165,000 $280,000 69.7% 0.0%
1st Security Bank of Washington $355,000 $275,000 -22.5% 0.0%
Citizens Bank of Kansas $275,000 n/a 0.0%
KINECTA $275,000 n/a 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $245,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $235,000 n/a 0.0%
Semper Home Loans, Inc. $225,000 n/a 0.0%
UMB Bank $225,000 n/a 0.0%
SWBC MORTGAGE CORPORATION $195,000 n/a 0.0%
WESTCOAST MORTGAGE GROUP AND REALTY COMPANY $195,000 n/a 0.0%
City National Bank of Florida $185,000 n/a 0.0%
KELLER MORTGAGE, LLC $3,695,000 $185,000 -95.0% 0.0%
LONGBRIDGE FINANCIAL, LLC $175,000 n/a 0.0%
Northwest Farm Credit Services, FLCA $765,000 $175,000 -77.1% 0.0%
SPRING EQ, LLC $85,000 $170,000 100.0% 0.0%
Bell Bank $155,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $155,000 n/a 0.0%
Peoples Bank $145,000 n/a 0.0%
SUN WEST MORTGAGE COMPANY, INC. $1,100,000 $145,000 -86.8% 0.0%
Montana Federal Credit Union $355,000 $140,000 -60.6% 0.0%
SOUTHWEST STAGE FUNDING, LLC $135,000 n/a 0.0%
21ST MORTGAGE CORPORATION $940,000 $125,000 -86.7% 0.0%
HORIZON $45,000 $110,000 144.4% 0.0%
DIGITAL Federal Credit Union $105,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $95,000 n/a 0.0%
MOUNTAIN AMERICA $815,000 $85,000 -89.6% 0.0%
Raymond James Bank $85,000 n/a 0.0%
Centier Bank $45,000 n/a 0.0%

Helena's top lender by overall market share is Opportunity Bank of Montana, with 19.2% market share. In second place, with 11.4%, is Glacier Bank, having originated $79,370,000 in loans. In third place, with 8.9%, is First Interstate Bank, having originated $62,065,000 in loans. In fourth place, with 7.5%, is MANN FINANCIAL INC., having originated $52,025,000 in loans. In fifth place, with 6.0%, is Stockman Bank of Montana, having originated $41,495,000 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 (-1.4%) $427,448 (19.3%) 0.00 442
2018-02-01 $284,900 (-1.4%) $387,764 (7.7%) 0.00 454
2018-03-01 $299,000 (3.5%) $390,125 (-0.7%) 0.00 491
2018-04-01 $299,913 (3.8%) $423,826 (9.0%) 0.00 556
2018-05-01 $299,900 (4.4%) $414,917 (7.9%) 0.00 620
2018-06-01 $301,700 (6.0%) $407,779 (6.7%) 0.00 687
2018-07-01 $310,000 (9.2%) $415,977 (10.0%) 0.00 701
2018-08-01 $302,525 (6.5%) $414,895 (8.8%) 0.00 689
2018-09-01 $299,900 (3.6%) $415,938 (12.1%) 0.00 697
2018-10-01 $304,900 (6.1%) $422,861 (12.9%) 0.00 646
2018-11-01 $328,000 (13.1%) $481,050 (22.3%) 0.00 404
2018-12-01 $326,000 (12.5%) $479,685 (20.1%) 0.00 365
2019-01-01 $314,900 (10.6%) $480,939 (12.5%) 0.00 331
2019-02-01 $321,175 (12.7%) $486,155 (25.4%) 0.00 310
2019-03-01 $327,071 (9.4%) $489,134 (25.4%) 0.00 311
2019-04-01 $327,096 (9.1%) $490,341 (15.7%) 0.00 310
2019-05-01 $325,000 (8.4%) $491,091 (18.4%) 0.00 338
2019-06-01 $324,500 (7.6%) $482,434 (18.3%) 0.00 366
2019-07-01 $320,950 (3.5%) $460,400 (10.7%) 0.00 394
2019-08-01 $318,209 (5.2%) $456,070 (9.9%) 0.00 385
2019-09-01 $316,348 (5.5%) $453,897 (9.1%) 0.00 372
2019-10-01 $315,157 (3.4%) $453,069 (7.1%) 0.00 357
2019-11-01 $320,000 (-2.4%) $461,316 (-4.1%) 0.00 315
2019-12-01 $321,225 (-1.5%) $488,054 (1.7%) 0.00 277
2020-01-01 $322,350 (2.4%) $472,802 (-1.7%) 0.00 241
2020-02-01 $335,000 (4.3%) $527,750 (8.6%) 0.00 230
2020-03-01 $344,900 (5.5%) $546,121 (11.7%) 0.00 227
2020-04-01 $356,263 (8.9%) $541,340 (10.4%) 0.00 240
2020-05-01 $365,000 (12.3%) $552,232 (12.5%) 0.00 230
2020-06-01 $368,900 (13.7%) $544,725 (12.9%) 0.00 221
2020-07-01 $382,400 (19.2%) $586,872 (27.5%) 0.00 195
2020-08-01 $404,450 (27.1%) $579,813 (27.1%) 0.00 175
2020-09-01 $414,975 (31.2%) $569,445 (25.5%) 0.00 174
2020-10-01 $409,450 (29.9%) $567,307 (25.2%) 0.00 155
2020-11-01 $462,450 (44.5%) $608,623 (31.9%) 0.00 119
2020-12-01 $457,175 (42.3%) $621,378 (27.3%) 0.00 100
2021-01-01 $420,000 (30.3%) $614,816 (30.0%) 0.00 92
2021-02-01 $451,925 (34.9%) $642,076 (21.7%) 0.00 77
2021-03-01 $467,813 (35.6%) $648,053 (18.7%) 0.00 82
2021-04-01 $452,900 (27.1%) $636,105 (17.5%) 0.00 95
2021-05-01 $448,000 (22.7%) $631,977 (14.4%) 0.00 100
2021-06-01 $473,225 (28.3%) $669,576 (22.9%) 0.00 112
2021-07-01 $475,000 (24.2%) $653,584 (11.4%) 0.00 140
2021-08-01 $476,500 (17.8%) $659,211 (13.7%) 0.00 150
2021-09-01 $496,980 (19.8%) $676,614 (18.8%) 0.00 135
2021-10-01 $509,900 (24.5%) $665,838 (17.4%) 0.00 124
2021-11-01 $527,800 (14.1%) $706,629 (16.1%) 0.00 109
2021-12-01 $549,750 (20.3%) $714,859 (15.0%) 0.00 78
2022-01-01 $550,000 (31.0%) $747,151 (21.5%) 0.00 61
2022-02-01 $562,500 (24.5%) $726,660 (13.2%) 0.00 67
2022-03-01 $545,250 (16.6%) $655,885 (1.2%) 0.00 67
2022-04-01 $550,000 (21.4%) $672,560 (5.7%) 0.00 74
2022-05-01 $556,000 (24.1%) $697,036 (10.3%) 0.00 100
2022-06-01 $594,950 (25.7%) $811,267 (21.2%) 0.00 117
2022-07-01 $595,000 (25.3%) $812,807 (24.4%) 0.00 159
2022-08-01 $599,900 (25.9%) $810,934 (23.0%) 0.00 186
2022-09-01 $599,675 (20.7%) $825,905 (22.1%) 0.00 181
2022-10-01 $583,450 (14.4%) $816,088 (22.6%) 0.00 188
2022-11-01 $550,000 (4.2%) $786,655 (11.3%) 0.00 189
2022-12-01 $569,000 (3.5%) $813,523 (13.8%) 0.00 158
2023-01-01 $575,500 (4.6%) $800,268 (7.1%) 0.00 151
2023-02-01 $579,450 (3.0%) $838,234 (15.4%) 0.00 130
Helena's median listing price for 2023-02-01 was $579,450, a difference of $16,950 (3.0%) versus the prior year and $3,950 versus the prior month.

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

Helena's average listing price for 2023-02-01 was $838,234, a difference of $111,574 (15.4%) versus the prior year and $37,966 versus the prior month.

For the 2023-02-01 period, Helena had 130 MLS listings, a difference of -21 listings (-14%) versus the prior month and 63 listings (94%) 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 1,971 sqft
2018-02-01 0 days 2,011 sqft
2018-03-01 0 days 2,050 sqft
2018-04-01 0 days 2,082 sqft
2018-05-01 0 days 2,124 sqft
2018-06-01 0 days 2,119 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 2,183 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 2,222 sqft
2019-07-01 0 days 2,192 sqft
2019-08-01 0 days 2,180 sqft
2019-09-01 0 days 2,150 sqft
2019-10-01 0 days 2,131 sqft
2019-11-01 0 days 2,153 sqft
2019-12-01 0 days 2,128 sqft
2020-01-01 0 days 2,076 sqft
2020-02-01 0 days 2,106 sqft
2020-03-01 0 days 2,151 sqft
2020-04-01 0 days 2,239 sqft
2020-05-01 0 days 2,230 sqft
2020-06-01 0 days 2,280 sqft
2020-07-01 0 days 2,300 sqft
2020-08-01 0 days 2,394 sqft
2020-09-01 0 days 2,413 sqft
2020-10-01 0 days 2,400 sqft
2020-11-01 0 days 2,433 sqft
2020-12-01 0 days 2,431 sqft
2021-01-01 0 days 2,353 sqft
2021-02-01 0 days 2,284 sqft
2021-03-01 0 days 2,254 sqft
2021-04-01 0 days 2,106 sqft
2021-05-01 0 days 2,016 sqft
2021-06-01 0 days 2,069 sqft
2021-07-01 0 days 2,069 sqft
2021-08-01 0 days 2,062 sqft
2021-09-01 0 days 2,236 sqft
2021-10-01 0 days 2,133 sqft
2021-11-01 0 days 2,135 sqft
2021-12-01 0 days 2,224 sqft
2022-01-01 0 days 2,200 sqft
2022-02-01 0 days 2,284 sqft
2022-03-01 0 days 2,122 sqft
2022-04-01 0 days 2,182 sqft
2022-05-01 0 days 2,187 sqft
2022-06-01 0 days 2,184 sqft
2022-07-01 0 days 2,164 sqft
2022-08-01 0 days 2,096 sqft
2022-09-01 0 days 2,122 sqft
2022-10-01 0 days 2,136 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
Helena's median listing age (time on market) for 2023-02-01 was 0 days.

Helena's median square footage for active listings during the 2023-02-01 period was 2,112 sqft. One year prior, the average listing was 2,284 sqft.

Helena, MT Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,170 $426,370,000 $364,419
Cash Out Refi 447 $141,525,000 $316,611
Home Improvement 317 $31,245,000 $98,565
Refi 256 $77,210,000 $301,602
Other 141 $18,565,000 $131,667

Helena's most frequently cited loan purpose was Home Purchase, with 1,170 originations. The 2nd most popular reason was Cash Out Refi, with 447 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 592 $175,950,000 $297,213
4-5% 580 $176,490,000 $304,293
3-4% 556 $193,700,000 $348,381
6-7% 253 $71,895,000 $284,170
2.5-3% 146 $39,430,000 $270,068
7-8% 102 $18,260,000 $179,020
Over 8% 41 $3,225,000 $78,659
<2.5% 38 $10,700,000 $281,579

During 2022, Helena's most frequently originated rate bucket was 5-6%, with 592 originations.

Loan Sizing (Helena, MT MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,010 $299,970,000 $297,000
$100k-200k 427 $62,745,000 $146,944
$400k-600k 407 $191,615,000 $470,799
$100,000 or less 373 $20,885,000 $55,992
$600k-1000k 96 $66,090,000 $688,438
$Over $1MM 18 $53,610,000 $2,978,333

Helena's loan sizing saw the bucket of loans from $200k-400k with 1,010 originations, totaling $299,970,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 638 $229,580,000 $359,843
80-100% 578 $235,560,000 $407,543
40-60% 391 $126,345,000 $323,133
Under 20% 345 $30,775,000 $89,203
20-40% 317 $52,615,000 $165,978
Over 100% 26 $10,730,000 $412,692

Helena's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 638 originations, totaling $229,580,000 in origination value.