Helena Mortgage Rates

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

30 Year Fixed Rate mortgages in Helena averaged 5.94% 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 5.65% and one month ago for the week of 2022-05-26, the average rate was 5.04%.

Helena's average rate one year ago was 3.01%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.53%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Helena 30 Year Fixed Rate 2022-06-30 5.94%
Helena 30 Year Fixed Rate Refi 2022-06-30 5.53%
Helena 15 Year Fixed Rate 2022-06-30 5.5%
Helena 15 Year Fixed Rate Refi 2022-06-30 5.18%
Helena 30 Year FHA 2022-06-30 5.68%
Helena 30 Year FHA Refi 2022-06-30 5.53%
Helena 30 Year USDA 2022-06-30 5.21%
Helena 30 Year USDA Refi 2022-06-30 5.14%
Helena 30 Year VA 2022-06-30 5.26%
Helena 30 Year VA Refi 2022-06-30 5.47%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Opportunity Bank of Montana 446 3.11% $5,224
Glacier Bank 190 3.19% $5,296
MANN FINANCIAL INC. 175 3.10% $5,621
Stockman Bank of Montana 163 3.13% $5,420
First Interstate Bank 161 3.16% $5,659
QUICKEN LOANS, LLC 138 3.07% $5,513
Wells Fargo Bank 87 3.14% $4,857
U.S. Bank 47 3.04% $4,501
LOANDEPOT.COM, LLC 44 2.96% $4,899
CRESCENT MORTGAGE COMPANY 43 3.26% $4,492
AMERISAVE MORTGAGE CORPORATION 41 2.88% $5,571
BETTER MORTGAGE CORPORATION 30 2.86% $3,817
UNITED WHOLESALE MORTGAGE, LLC 23 2.94% $4,134
GUARANTEED RATE, INC. 23 3.08% $5,124
BROKER SOLUTIONS, INC. 18 3.01% $5,188
PENNYMAC LOAN SERVICES, LLC 17 3.08% $4,960
Mr. Cooper ( Nationstar Mortgage ) 16 3.40% $4,957
Flagstar Bank, FSB 16 3.16% $5,098
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 15 3.14% $5,380
KELLER MORTGAGE, LLC 12 3.09% $3,573
SOFI LENDING CORP. 12 2.99% $4,410
AMCAP MORTGAGE, LTD. 11 2.99% $7,358
JPMorgan Chase Bank 11 3.15% $3,433
GUILD MORTGAGE COMPANY 10 3.11% $5,282
Wyndham Capital Mortgage, Inc. 9 2.94% $1,892
PRIMELENDING, A PLAINSCAPITAL COMPANY 9 3.26% $5,277
CHERRY CREEK MORTGAGE, LLC 9 3.38% $384
AMERICAN PACIFIC MORTGAGE CORPORATION 8 3.14% $4,279
CORNERSTONE HOME LENDING, INC. 7 2.95% $4,667
NAVY FEDERAL CREDIT UNION 7 2.98% $5,204
FREEDOM MORTGAGE CORPORATION 7 3.02% $1,016
Hometown Lenders, Inc. 7 3.07% $4,665
CALIBER HOME LOANS, INC. 7 3.40% $4,042
NEWREZ LLC 6 3.12% $3,785
AMERICAN FINANCING CORPORATION 6 2.96% $3,688
STEARNS LENDING, LLC 5 3.02% $3,450
NBKC BANK 5 2.90% $2,025
AMERICAN INTERNET MORTGAGE, INC. 5 3.03% $3,800
Flanagan State Bank 5 3.55% $3,623
FINANCE OF AMERICA MORTGAGE LLC 4 2.84% $1,284
Mortgage Research Center, LLC 4 3.03% $4,458
MORTGAGE 1 INCORPORATED 4 3.25% $3,475
HOMESTEAD FUNDING CORP. 4 2.78% $3,930
The Federal Savings Bank 4 3.06% $7,144
BAY EQUITY LLC 4 2.97% $4,319
PNC Bank 4 3.06% $3,159
CHURCHILL MORTGAGE CORPORATION 4 3.34% $4,557
GoPrime Mortgage, Inc. 4 2.81% $5,848
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 4 2.94% $3,753
CROSSCOUNTRY MORTGAGE, LLC 4 2.91% $3,339
Bank of America 4 2.91% $4,208
Ally Bank 3 2.83% $5,404
American Bank Center 3 2.79% $5,443
Axos Bank 3 3.08% $1,517
Barrington Bank & Trust Company, N.A. 3 3.33% $4,163
Carrington Mortgage Services, LLC 3 3.46% $5,377
First Internet Bank of Indiana 3 2.83% $4,044
MOUNTAIN AMERICA 3 3.04% $4,120
MUTUAL OF OMAHA MORTGAGE, INC. 3 2.87% $4,225
Nations Lending Corporation 3 3.04% $10,050
North American Savings Bank, F.S.B. 3 3.42% $2,336
Plains Commerce Bank 3 3.38% $3,170
RESIDENTIAL BANCORP. 3 2.79% $3,886
PLANET HOME LENDING, LLC 2 2.81% $2,791
Paramount Residential Mortgage Group, Inc. 2 3.50% $7,704
Citizens Bank 2 3.25% $6,090
PREMIA MORTGAGE, LLC 2 3.19% $2,432
HOME POINT FINANCIAL CORPORATION 2 3.00% $1,876
FirstBank 2 2.87% $2,063
CMG MORTGAGE, INC. 2 3.06% $4,551
TIB The Independent Bankersbank 2 3.31% $6,864
CALCON MUTUAL MORTGAGE LLC 2 2.81% $8,092
LENDUS, LLC 2 3.25% $3,898
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 2.88% $3,120
NBH Bank 1 3.13% $5,151
Columbia State Bank 1 3.38% $4,322
Willamette Valley Bank 1 3.63% $6,549
Ohnward Bank & Trust 1 2.49% $6,970
OPEN MORTGAGE, LLC 1 3.25% $3,975
City National Bank 1 3.58% $5,217
PENTAGON FEDERAL CREDIT UNION 1 4.00% $5,325
WINGS FINANCIAL 1 2.63% $3,890
Platinum Home Mortgage Corporation 1 2.99% $7,264
Citibank 1 2.75% $7,380
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.25% $4,921
Cf Bank 1 3.00% $2,601
Prosperity Home Mortgage, LLC 1 3.25% $3,752
CELEBRITY HOME LOANS, LLC 1 3.00% $6,226
Quontic Bank 1 5.88% $5,640
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 1 3.25% $14,281
Renasant Bank 1 2.88% $3,965
AMERICAN FINANCIAL NETWORK, INC. 1 3.13% $6,109
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 3.13% $4,158
S1L, Inc. 1 4.00% $4,227
SECURITYNATIONAL MORTGAGE COMPANY 1 3.12% $4,013
Servion, Inc. 1 3.38% $2,828
CANOPY MORTGAGE, LLC 1 2.88% $1,920
SPOKANE TEACHERS 1 2.75% $6,361
Stifel Bank and Trust 1 3.00% $3,148
BNY Mellon 1 2.88% $2,906
BNC National Bank 1 3.00% $4,282
The Huntington National Bank 1 2.98% $6,436
The Ohio Valley Bank Company 1 4.63% $8,451
The Union Bank Company 1 2.63% $4,119
TRUWEST Credit Union 1 2.88% $4,476
UBS Bank USA 1 3.00% $5,594
Umpqua Bank 1 3.25% $2,866
First National Bank of Omaha 1 3.13% $4,520
UNIVERSAL LENDING CORPORATION 1 3.13% $4,702
IDAHO STATE UNIVERSITY 1 2.88% $7,962
Florida Capital Bank 1 4.13% $3,521
First Savings Bank 1 3.25% $3,974
KeyBank 1 2.88% $3,505
Bank of England 1 3.13% $4,864
Magnolia Bank 1 3.38% $5,723
First Home Bank 1 3.25% $3,933
MEGASTAR FINANCIAL CORP. 1 3.13% $4,117
Montana Federal Credit Union 1 2.88% $6,373
First Guaranty Mortgage Corporation 1 2.88% $7,023
Arvest Bank 1 2.88% $4,420
ENVOY MORTGAGE, LTD 1 3.13% $3,457
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.50% $4,643
Western State Bank 1 2.63% $1,893

Helena, MT's 123 lenders originated 4,245 loans during 2021. The total origination value was $1,208,745,000, with an average loan value of $284,746.

The top Helena lender as defined by loan originations is Opportunity Bank of Montana, with 446 loans originated. Their average total fees are $5,224, which is $72 lower than the next largest lender, Glacier Bank.

The lowest fee Helena lenders (with over 10 loans originated) are JPMorgan Chase Bank ($3,433), KELLER MORTGAGE, LLC ($3,573), BETTER MORTGAGE CORPORATION ($3,817), UNITED WHOLESALE MORTGAGE, LLC ($4,134) and SOFI LENDING CORP. ($4,410).

The lowest rate Helena lenders (with over 10 loans originated) are BETTER MORTGAGE CORPORATION (2.86%), AMERISAVE MORTGAGE CORPORATION (2.88%), UNITED WHOLESALE MORTGAGE, LLC (2.94%), LOANDEPOT.COM, LLC (2.96%) and AMCAP MORTGAGE, LTD. (2.99%).

Helena, 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
Opportunity Bank of Montana $158,080,000 $202,500,000 28.1% 16.8%
Glacier Bank $120,710,000 $120,230,000 -0.4% 9.9%
MANN FINANCIAL INC. $99,285,000 $90,065,000 -9.3% 7.5%
First Interstate Bank $131,640,000 $82,685,000 -37.2% 6.8%
Stockman Bank of Montana $79,685,000 $73,525,000 -7.7% 6.1%
QUICKEN LOANS, LLC $66,810,000 $72,190,000 8.1% 6.0%
Wells Fargo Bank $50,535,000 $60,715,000 20.1% 5.0%
FREEDOM MORTGAGE CORPORATION $51,610,000 $36,135,000 -30.0% 3.0%
LOANDEPOT.COM, LLC $9,785,000 $27,185,000 177.8% 2.2%
JPMorgan Chase Bank $2,300,000 $26,980,000 1,073.0% 2.2%
JONES LANG LASALLE MULTIFAMILY, LLC $13,610,000 $26,015,000 91.1% 2.2%
U.S. Bank $28,200,000 $23,405,000 -17.0% 1.9%
AMERISAVE MORTGAGE CORPORATION $10,915,000 $21,750,000 99.3% 1.8%
Mortgage Research Center, LLC $15,495,000 $20,005,000 29.1% 1.7%
PENNYMAC LOAN SERVICES, LLC $8,355,000 $18,750,000 124.4% 1.6%
CRESCENT MORTGAGE COMPANY $1,640,000 $14,450,000 781.1% 1.2%
GUARANTEED RATE, INC. $1,905,000 $13,715,000 619.9% 1.1%
BETTER MORTGAGE CORPORATION $5,565,000 $12,440,000 123.5% 1.0%
UNITED WHOLESALE MORTGAGE, LLC $4,440,000 $12,000,000 170.3% 1.0%
Flagstar Bank, FSB $9,275,000 $10,220,000 10.2% 0.8%
HomeStreet Bank $10,045,000 n/a 0.8%
Mr. Cooper ( Nationstar Mortgage ) $8,440,000 $9,505,000 12.6% 0.8%
LAKEVIEW LOAN SERVICING, LLC $6,845,000 $8,910,000 30.2% 0.7%
NAVY FEDERAL CREDIT UNION $5,615,000 $7,410,000 32.0% 0.6%
USAA Federal Savings Bank $9,900,000 $7,340,000 -25.9% 0.6%
GUILD MORTGAGE COMPANY $11,170,000 $6,255,000 -44.0% 0.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $11,990,000 $6,155,000 -48.7% 0.5%
BROKER SOLUTIONS, INC. $2,990,000 $6,030,000 101.7% 0.5%
REVERSE MORTGAGE FUNDING LLC $2,560,000 $5,515,000 115.4% 0.5%
NEWREZ LLC $2,550,000 $5,475,000 114.7% 0.5%
SOFI LENDING CORP. $2,450,000 $5,345,000 118.2% 0.4%
Hometown Lenders, Inc. $5,275,000 n/a 0.4%
CORNERSTONE HOME LENDING, INC. $3,580,000 $4,880,000 36.3% 0.4%
CALIBER HOME LOANS, INC. $3,670,000 $4,830,000 31.6% 0.4%
Rocky Mountain Bank $4,805,000 n/a 0.4%
AMCAP MORTGAGE, LTD. $4,275,000 $4,250,000 -0.6% 0.4%
The Federal Savings Bank $2,685,000 $4,140,000 54.2% 0.3%
NEW DAY FINANCIAL, LLC $5,245,000 $3,975,000 -24.2% 0.3%
KELLER MORTGAGE, LLC $6,860,000 $3,695,000 -46.1% 0.3%
NBKC BANK $6,105,000 $3,670,000 -39.9% 0.3%
UNIVERSAL LENDING CORPORATION $4,060,000 $3,655,000 -10.0% 0.3%
CHERRY CREEK MORTGAGE, LLC $3,080,000 $3,645,000 18.3% 0.3%
CLEARPATH LENDING $6,020,000 $3,420,000 -43.2% 0.3%
PLANET HOME LENDING, LLC $1,460,000 $3,270,000 124.0% 0.3%
Barrington Bank & Trust Company, N.A. $1,410,000 $3,110,000 120.6% 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,565,000 $3,085,000 20.3% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $3,605,000 $3,000,000 -16.8% 0.2%
HOMESTEAD FUNDING CORP. $285,000 $2,860,000 903.5% 0.2%
North American Savings Bank, F.S.B. $3,620,000 $2,685,000 -25.8% 0.2%
Nations Lending Corporation $1,690,000 $2,680,000 58.6% 0.2%
AMERICAN FINANCING CORPORATION $1,250,000 $2,655,000 112.4% 0.2%
Bank of America $905,000 $2,640,000 191.7% 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $1,160,000 $2,585,000 122.8% 0.2%
Citizens Alliance Bank $2,875,000 $2,570,000 -10.6% 0.2%
Wyndham Capital Mortgage, Inc. $1,255,000 $2,545,000 102.8% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,095,000 $2,350,000 114.6% 0.2%
Flanagan State Bank $815,000 $2,310,000 183.4% 0.2%
Carrington Mortgage Services, LLC $2,950,000 $2,280,000 -22.7% 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $2,815,000 $2,220,000 -21.1% 0.2%
AMERICAN INTERNET MORTGAGE, INC. $2,450,000 $2,190,000 -10.6% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $2,140,000 n/a 0.2%
BAY EQUITY LLC $730,000 $2,050,000 180.8% 0.2%
Plains Commerce Bank $805,000 $1,825,000 126.7% 0.2%
FINANCE OF AMERICA MORTGAGE LLC $610,000 $1,740,000 185.2% 0.1%
GoPrime Mortgage, Inc. $2,185,000 $1,735,000 -20.6% 0.1%
American Bank Center $495,000 $1,700,000 243.4% 0.1%
CHURCHILL MORTGAGE CORPORATION $215,000 $1,675,000 679.1% 0.1%
CMG MORTGAGE, INC. $1,990,000 $1,620,000 -18.6% 0.1%
Magnolia Bank $600,000 $1,580,000 163.3% 0.1%
HOME POINT FINANCIAL CORPORATION $1,570,000 n/a 0.1%
Ally Bank $235,000 $1,560,000 563.8% 0.1%
MORTGAGE 1 INCORPORATED $1,560,000 n/a 0.1%
STEARNS LENDING, LLC $1,620,000 $1,360,000 -16.0% 0.1%
PNC Bank $3,040,000 $1,315,000 -56.7% 0.1%
ACCELERATE MORTGAGE, LLC $255,000 $1,255,000 392.2% 0.1%
First Internet Bank of Indiana $405,000 $1,220,000 201.2% 0.1%
FirstBank $1,155,000 $1,150,000 -0.4% 0.1%
Axos Bank $255,000 $1,135,000 345.1% 0.1%
PENTAGON FEDERAL CREDIT UNION $250,000 $1,120,000 348.0% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $1,365,000 $1,100,000 -19.4% 0.1%
The Ohio Valley Bank Company $1,085,000 n/a 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $1,020,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $2,405,000 $995,000 -58.6% 0.1%
RESIDENTIAL BANCORP. $960,000 n/a 0.1%
21ST MORTGAGE CORPORATION $405,000 $940,000 132.1% 0.1%
TIB The Independent Bankersbank $1,590,000 $925,000 -41.8% 0.1%
First Guaranty Mortgage Corporation $1,415,000 $915,000 -35.3% 0.1%
CALCON MUTUAL MORTGAGE LLC $770,000 $870,000 13.0% 0.1%
KeyBank $865,000 n/a 0.1%
Capital Bank $325,000 $860,000 164.6% 0.1%
PREMIA MORTGAGE, LLC $850,000 n/a 0.1%
MOUNTAIN AMERICA $815,000 n/a 0.1%
AMERICAN FINANCIAL NETWORK, INC. $1,660,000 $795,000 -52.1% 0.1%
Northwest Farm Credit Services, FLCA $205,000 $765,000 273.2% 0.1%
The Huntington National Bank $755,000 n/a 0.1%
City National Bank $735,000 n/a 0.1%
Platinum Home Mortgage Corporation $720,000 n/a 0.1%
REDWOOD RESIDENTIAL ACQUISITION CORPORATION $685,000 n/a 0.1%
Citizens Bank $500,000 $670,000 34.0% 0.1%
Willamette Valley Bank $330,000 $640,000 93.9% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $560,000 n/a 0.0%
First National Bank of Omaha $545,000 n/a 0.0%
UBS Bank USA $545,000 n/a 0.0%
Chain Bridge Bank $525,000 n/a 0.0%
Cf Bank $700,000 $505,000 -27.9% 0.0%
LENDUS, LLC $1,770,000 $500,000 -71.8% 0.0%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $490,000 n/a 0.0%
The Union Bank Company $490,000 n/a 0.0%
BNY Mellon $485,000 n/a 0.0%
Columbia State Bank $65,000 $485,000 646.2% 0.0%
CELEBRITY HOME LOANS, LLC $475,000 n/a 0.0%
CITY FIRST MORTGAGE SERVICES, L.L.C. $465,000 n/a 0.0%
First Montana Bank, Inc. $3,605,000 $465,000 -87.1% 0.0%
Low VA Rates, LLC $1,935,000 $450,000 -76.7% 0.0%
Bank of England $875,000 $440,000 -49.7% 0.0%
Unify Home Lending Inc. $510,000 $420,000 -17.6% 0.0%
RELIANCE FIRST CAPITAL, LLC $955,000 $410,000 -57.1% 0.0%
Stifel Bank and Trust $235,000 $410,000 74.5% 0.0%
Ohnward Bank & Trust $405,000 n/a 0.0%
Umpqua Bank $550,000 $405,000 -26.4% 0.0%
FINANCE OF AMERICA REVERSE LLC $385,000 n/a 0.0%
First Home Bank $195,000 $385,000 97.4% 0.0%
Meridian Bank Corporation $385,000 n/a 0.0%
Greenbox Loans, Inc. $375,000 n/a 0.0%
AMERICAN ADVISORS GROUP $115,000 $365,000 217.4% 0.0%
1st Security Bank of Washington $265,000 $355,000 34.0% 0.0%
First-Citizens Bank & Trust Company $355,000 n/a 0.0%
Montana Federal Credit Union $65,000 $355,000 446.2% 0.0%
TRUWEST Credit Union $345,000 n/a 0.0%
OPEN MORTGAGE, LLC $655,000 $340,000 -48.1% 0.0%
PACIFIC RESIDENTIAL MORTGAGE, LLC $505,000 $325,000 -35.6% 0.0%
Arvest Bank $275,000 $315,000 14.5% 0.0%
IDAHO STATE UNIVERSITY $315,000 n/a 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $315,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $995,000 $310,000 -68.8% 0.0%
Ixonia Bank $305,000 n/a 0.0%
MEGASTAR FINANCIAL CORP. $305,000 n/a 0.0%
Quontic Bank $305,000 n/a 0.0%
KS StateBank $295,000 n/a 0.0%
WINGS FINANCIAL $295,000 n/a 0.0%
Citibank $95,000 $290,000 205.3% 0.0%
CANOPY MORTGAGE, LLC $285,000 n/a 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $265,000 n/a 0.0%
Discover Bank $325,000 $260,000 -20.0% 0.0%
Bank of Springfield $255,000 n/a 0.0%
BNC National Bank $1,885,000 $255,000 -86.5% 0.0%
First Federal Bank $360,000 $245,000 -31.9% 0.0%
SPOKANE TEACHERS $245,000 n/a 0.0%
First Savings Bank $235,000 $235,000 0.0% 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $225,000 n/a 0.0%
Renasant Bank $275,000 $225,000 -18.2% 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $225,000 n/a 0.0%
The Bank of Commerce $220,000 n/a 0.0%
DELMAR FINANCIAL COMPANY $205,000 $215,000 4.9% 0.0%
Florida Capital Bank $215,000 n/a 0.0%
NBH Bank $215,000 n/a 0.0%
Texas Bank Financial $215,000 n/a 0.0%
Servion, Inc. $205,000 n/a 0.0%
Mid-Continent Funding, Inc. $420,000 $195,000 -53.6% 0.0%
Prosperity Home Mortgage, LLC $195,000 n/a 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $360,000 $195,000 -45.8% 0.0%
Allied First Bank,sb $185,000 n/a 0.0%
VALLEY FINANCIAL CREDIT UNION $180,000 n/a 0.0%
PHH Mortgage Corporation $295,000 $165,000 -44.1% 0.0%
Strong Home Mortgage, LLC $165,000 n/a 0.0%
Western State Bank $165,000 n/a 0.0%
ENVOY MORTGAGE, LTD $790,000 $155,000 -80.4% 0.0%
Alaska USA Federal Credit Union $145,000 n/a 0.0%
Figure Lending LLC $110,000 $140,000 27.3% 0.0%
Manufacturers and Traders Trust Company $125,000 n/a 0.0%
S1L, Inc. $125,000 n/a 0.0%
The Central Trust Bank $660,000 $105,000 -84.1% 0.0%
Altana Federal Credit Union $415,000 $95,000 -77.1% 0.0%
SPRING EQ, LLC $25,000 $85,000 240.0% 0.0%
Washington Trust Bank $75,000 n/a 0.0%
ALLIANT CREDIT UNION $405,000 $65,000 -84.0% 0.0%
GEORGIA'S OWN $55,000 n/a 0.0%
Connexus Credit Union $45,000 n/a 0.0%
HORIZON $465,000 $45,000 -90.3% 0.0%
TrailWest Bank $595,000 $45,000 -92.4% 0.0%

Helena's top lender by overall market share is Opportunity Bank of Montana, with 16.8% market share. In second place, with 9.9%, is Glacier Bank, having originated $120,230,000 in loans. In third place, with 7.5%, is MANN FINANCIAL INC., having originated $90,065,000 in loans. In third place, with 6.8%, is First Interstate Bank, having originated $82,685,000 in loans. In third place, with 6.1%, is Stockman Bank of Montana, having originated $73,525,000 in loans.


Helena, MT Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 1,444 $385,510,000 $266,974
Home Purchase 1,366 $479,300,000 $350,878
Cash Out Refi 1,128 $299,310,000 $265,346
Home Improvement 198 $26,450,000 $133,586
Other 109 $18,175,000 $166,743

Helena's most frequently cited loan purpose was Refi, with 1,444 originations. The 2nd most popular reason was Home Purchase, with 1,366 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,664 $487,960,000 $293,245
3-4% 1,357 $418,285,000 $308,242
<2.5% 864 $231,170,000 $267,558
4-5% 278 $55,000,000 $197,842
5-6% 39 $10,775,000 $276,282
6-7% 9 $675,000 $75,000
7-8% 6 $710,000 $118,333
Over 8% 4 $340,000 $85,000

During 2021, Helena's most frequently originated rate bucket was 2.5-3%, with 1,664 originations.

Loan Sizing (Helena, MT MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 2,381 $675,775,000 $283,820
$100k-200k 1,037 $161,585,000 $155,820
$400k-600k 421 $196,505,000 $466,758
$100,000 or less 309 $18,025,000 $58,333
$600k-1000k 76 $53,640,000 $705,789
$Over $1MM 21 $103,215,000 $4,915,000

Helena's loan sizing saw the bucket of loans from $200k-400k with 2,381 originations, totaling $675,775,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 1,567 $512,805,000 $327,253
80-100% 1,016 $332,890,000 $327,648
40-60% 824 $217,250,000 $263,653
20-40% 368 $56,110,000 $152,473
Under 20% 198 $11,750,000 $59,343
Over 100% 57 $21,495,000 $377,105

Helena's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,567 originations, totaling $512,805,000 in origination value.


Market Conditions (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 $289,900 (0.0%) $478,011 (28.4%) 0.00 435
2018-02-01 $291,450 (0.5%) $422,446 (12.5%) 0.00 444
2018-03-01 $299,900 (3.5%) $408,403 (-2.6%) 0.00 482
2018-04-01 $305,150 (5.6%) $462,466 (12.5%) 0.00 551
2018-05-01 $304,400 (5.3%) $451,164 (12.3%) 0.00 623
2018-06-01 $310,000 (7.5%) $441,523 (9.4%) 0.00 690
2018-07-01 $313,900 (10.1%) $438,964 (9.1%) 0.00 704
2018-08-01 $309,800 (7.3%) $442,865 (8.0%) 0.00 703
2018-09-01 $302,200 (2.8%) $442,282 (8.7%) 0.00 713
2018-10-01 $314,900 (7.9%) $453,282 (11.5%) 0.00 664
2018-11-01 $329,450 (11.6%) $508,211 (16.8%) 0.00 419
2018-12-01 $334,900 (13.6%) $536,197 (24.2%) 0.00 391
2019-01-01 $319,900 (10.4%) $544,468 (13.9%) 0.00 350
2019-02-01 $327,000 (12.2%) $546,892 (29.5%) 0.00 320
2019-03-01 $328,243 (9.5%) $525,352 (28.6%) 0.00 318
2019-04-01 $327,243 (7.2%) $496,668 (7.4%) 0.00 314
2019-05-01 $326,000 (7.1%) $530,234 (17.5%) 0.00 332
2019-06-01 $325,000 (4.8%) $496,931 (12.6%) 0.00 352
2019-07-01 $317,450 (1.1%) $455,524 (3.8%) 0.00 393
2019-08-01 $310,714 (0.3%) $424,582 (-4.1%) 0.00 394
2019-09-01 $304,900 (0.9%) $415,221 (-6.1%) 0.00 388
2019-10-01 $315,000 (0.0%) $441,147 (-2.7%) 0.00 355
2019-11-01 $325,000 (-1.4%) $451,346 (-11.2%) 0.00 309
2019-12-01 $322,450 (-3.7%) $481,607 (-10.2%) 0.00 267
2020-01-01 $322,500 (0.8%) $468,066 (-14.0%) 0.00 231
2020-02-01 $339,900 (3.9%) $518,939 (-5.1%) 0.00 229
2020-03-01 $344,950 (5.1%) $551,089 (4.9%) 0.00 225
2020-04-01 $357,075 (9.1%) $550,566 (10.9%) 0.00 239
2020-05-01 $369,900 (13.5%) $570,784 (7.7%) 0.00 233
2020-06-01 $372,450 (14.6%) $597,445 (20.2%) 0.00 224
2020-07-01 $385,000 (21.3%) $667,972 (46.6%) 0.00 191
2020-08-01 $429,900 (38.4%) $695,861 (63.9%) 0.00 180
2020-09-01 $439,000 (44.0%) $602,938 (45.2%) 0.00 176
2020-10-01 $448,500 (42.4%) $617,322 (39.9%) 0.00 162
2020-11-01 $534,500 (64.5%) $662,805 (46.9%) 0.00 131
2020-12-01 $497,500 (54.3%) $663,932 (37.9%) 0.00 105
2021-01-01 $429,900 (33.3%) $624,947 (33.5%) 0.00 95
2021-02-01 $458,400 (34.9%) $657,611 (26.7%) 0.00 78
2021-03-01 $472,375 (36.9%) $675,199 (22.5%) 0.00 85
2021-04-01 $450,950 (26.3%) $645,051 (17.2%) 0.00 94
2021-05-01 $455,000 (23.0%) $665,225 (16.6%) 0.00 99
2021-06-01 $474,700 (27.5%) $687,460 (15.1%) 0.00 111
2021-07-01 $485,000 (26.0%) $657,135 (-1.6%) 0.00 132
2021-08-01 $495,450 (15.3%) $655,103 (-5.9%) 0.00 143
2021-09-01 $501,650 (14.3%) $671,788 (11.4%) 0.00 129
2021-10-01 $510,000 (13.7%) $641,877 (4.0%) 0.00 120
2021-11-01 $549,500 (2.8%) $673,917 (1.7%) 0.00 110
2021-12-01 $552,500 (11.1%) $678,900 (2.3%) 0.00 79
2022-01-01 $550,000 (27.9%) $688,353 (10.2%) 0.00 61
2022-02-01 $562,500 (22.7%) $654,880 (-0.4%) 0.00 67
2022-03-01 $545,250 (15.4%) $617,998 (-8.5%) 0.00 68
2022-04-01 $550,000 (22.0%) $624,230 (-3.2%) 0.00 77
2022-05-01 $557,500 (22.5%) $660,960 (-0.6%) 0.00 101
2022-06-01 $607,000 (27.9%) $885,943 (28.9%) 0.00 119
Helena's median listing price for 2022-06-01 was $607,000, a difference of $132,300 (27.9%) versus the prior year and $49,500 versus the prior month.

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

Helena's average listing price for 2022-06-01 was $885,943, a difference of $198,483 (28.9%) versus the prior year and $224,983 versus the prior month.

For the 2022-06-01 period, Helena had 119 MLS listings, a difference of 18 listings (18%) versus the prior month and 8 listings (7%) 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 2,040 sqft
2018-02-01 0 days 2,074 sqft
2018-03-01 0 days 2,084 sqft
2018-04-01 0 days 2,109 sqft
2018-05-01 0 days 2,157 sqft
2018-06-01 0 days 2,151 sqft
2018-07-01 0 days 2,160 sqft
2018-08-01 0 days 2,148 sqft
2018-09-01 0 days 2,148 sqft
2018-10-01 0 days 2,301 sqft
2018-11-01 0 days 2,341 sqft
2018-12-01 0 days 2,304 sqft
2019-01-01 0 days 2,173 sqft
2019-02-01 0 days 2,184 sqft
2019-03-01 0 days 2,230 sqft
2019-04-01 0 days 2,273 sqft
2019-05-01 0 days 2,220 sqft
2019-06-01 0 days 2,208 sqft
2019-07-01 0 days 2,192 sqft
2019-08-01 0 days 2,160 sqft
2019-09-01 0 days 2,136 sqft
2019-10-01 0 days 2,128 sqft
2019-11-01 0 days 2,128 sqft
2019-12-01 0 days 2,069 sqft
2020-01-01 0 days 2,068 sqft
2020-02-01 0 days 2,128 sqft
2020-03-01 0 days 2,176 sqft
2020-04-01 0 days 2,259 sqft
2020-05-01 0 days 2,240 sqft
2020-06-01 0 days 2,318 sqft
2020-07-01 0 days 2,376 sqft
2020-08-01 0 days 2,448 sqft
2020-09-01 0 days 2,488 sqft
2020-10-01 0 days 2,450 sqft
2020-11-01 0 days 2,548 sqft
2020-12-01 0 days 2,518 sqft
2021-01-01 0 days 2,400 sqft
2021-02-01 0 days 2,345 sqft
2021-03-01 0 days 2,377 sqft
2021-04-01 0 days 2,120 sqft
2021-05-01 0 days 2,050 sqft
2021-06-01 0 days 2,093 sqft
2021-07-01 0 days 2,054 sqft
2021-08-01 0 days 2,074 sqft
2021-09-01 0 days 2,264 sqft
2021-10-01 0 days 2,180 sqft
2021-11-01 0 days 2,120 sqft
2021-12-01 0 days 2,164 sqft
2022-01-01 0 days 2,145 sqft
2022-02-01 0 days 2,252 sqft
2022-03-01 0 days 2,106 sqft
2022-04-01 0 days 2,184 sqft
2022-05-01 0 days 2,226 sqft
2022-06-01 0 days 2,251 sqft
Helena's median listing age (time on market) for 2022-06-01 was 0 days.

Helena's median square footage for active listings during the 2022-06-01 period was 2,251 sqft. One year prior, the average listing was 2,093 sqft.