MISSOULA 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 Missoula averaged 6.72% for the week of 2025-07-03, compared to the national average of 6.67% for the same period.

    The average rate for the prior week (2025-06-26) was 6.72% and one month ago for the week of 2025-05-29, the average rate was 7.04%.

    Missoula's average rate one year ago was 6.91%.

    For refis of the same type during the week of 2025-07-03, the average rate was 7.03%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-07-03 6.67%
    Missoula 30 Year Fixed Rate 2025-07-03 6.72%
    Missoula 30 Year Fixed Rate Refi 2025-07-03 7.03%
    Missoula 15 Year Fixed Rate 2025-07-03 5.9%
    Missoula 15 Year Fixed Rate Refi 2025-07-03 6.3%
    Missoula 30 Year FHA 2025-07-03 -0.2%
    Missoula 30 Year FHA Refi 2025-07-03 0%
    Missoula 30 Year USDA 2025-07-03 0%
    Missoula 30 Year USDA Refi 2025-07-03 -0.1%
    Missoula 30 Year VA 2025-07-03 -0.03%
    Missoula 30 Year VA Refi 2025-07-03 -0.1%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within MISSOULA, MT.

    MISSOULA 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 MISSOULA, 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Opportunity Bank of Montana 90 6.68% $5,386
    Glacier Bank 60 6.70% $7,488
    CLEARWATER Federal Credit Union 55 6.36% $6,325
    CROSSCOUNTRY MORTGAGE, LLC 54 6.89% $7,483
    Century Mortgage Company DBA Century Lending Company 48 6.66% $7,607
    CHURCHILL MORTGAGE CORPORATION 48 6.26% $14,538
    UNITED WHOLESALE MORTGAGE, LLC 45 6.63% $6,566
    Stockman Bank of Montana 44 6.68% $7,986
    PRIMELENDING, A PLAINSCAPITAL COMPANY 40 6.61% $5,770
    QUICKEN LOANS, LLC 31 6.66% $7,757
    ENVOY MORTGAGE, LTD 31 6.56% $6,720
    Prosperity Home Mortgage, LLC 15 6.78% $7,690
    U.S. Bank 10 6.14% $5,762
    S1L, Inc. 10 6.55% $8,756
    GUARANTEED RATE, INC. 9 6.70% $7,742
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 8 6.65% $6,656
    Bank of America 7 6.59% $5,267
    Wells Fargo Bank 6 6.23% $9,113
    MUTUAL OF OMAHA MORTGAGE, INC. 6 6.20% $3,464
    Plains Commerce Bank 5 6.83% $8,074
    The Loan Store, Inc. 5 6.82% $5,288
    HORIZON 5 7.43% $7,329
    Ally Bank 5 6.43% $7,175
    GUILD MORTGAGE COMPANY 4 6.06% $7,455
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 4 6.59% $10,434
    PENNYMAC LOAN SERVICES, LLC 4 6.78% $8,713
    Flagstar Bank, FSB 4 7.00% $9,564
    TOWNE MORTGAGE COMPANY 4 6.75% $4,576
    Mr. Cooper ( Nationstar Mortgage ) 3 6.66% $6,896
    NEWREZ LLC 3 6.83% $9,195
    PARK SIDE FINANCIAL 3 6.71% $3,739
    BMO Harris Bank 3 6.71% $7,375
    AMERICAN FINANCIAL NETWORK, INC. 3 6.79% $4,105
    PREMIER MORTGAGE RESOURCES, L.L.C. 3 5.75% $7,507
    CMG MORTGAGE, INC. 3 6.96% $7,323
    First Interstate Bank 2 7.13% $7,652
    USAA Federal Savings Bank 2 6.50% $3,987
    SECURITYNATIONAL MORTGAGE COMPANY 2 5.93% $19,427
    NBKC BANK 2 6.75% $3,227
    Northpointe Bank 2 6.93% $6,773
    JPMorgan Chase Bank 2 7.31% $5,878
    Morgan Stanley Private Bank 2 5.59% $4,251
    BETTER MORTGAGE CORPORATION 2 6.31% $2,984
    Barrington Bank & Trust Company, N.A. 2 6.56% $3,565
    ZILLOW HOME LOANS, LLC 1 7.13% $4,144
    ADVANCIAL 1 8.63% $5,000
    American Mortgage & Equity Consultants, Inc. 1 6.63% $11,234
    BAY EQUITY LLC 1 7.63% $9,304
    CARDINAL FINANCIAL 1 7.38% $6,195
    Charles Schwab Bank, SSB 1 5.68% $4,229
    Citadel Servicing Corporation 1 10.38% $24,494
    Commerce Home Mortgage, Inc. 1 8.88% $16,120
    CORNERSTONE HOME LENDING, INC. 1 7.63% $5,814
    HOMESIDE FINANCIAL, LLC 1 7.13% $4,337
    INB 1 6.88% $2,917
    KINECTA 1 7.00% $3,679
    LOANDEPOT.COM, LLC 1 5.99% $19,174
    MOUNTAIN AMERICA 1 5.75% $4,727
    MOVEMENT MORTGAGE, LLC 1 8.13% $9,964
    NAVY FEDERAL CREDIT UNION 1 6.50% $2,931
    NFM, INC. 1 6.88% $7,364
    Northwest Farm Credit Services, FLCA 1 6.55% $10,387
    PHH Mortgage Corporation 1 5.88% $12,085
    PLAZA HOME MORTGAGE, INC. 1 7.00% $4,968
    PNC Bank 1 7.00% $3,801
    REDWOOD RESIDENTIAL ACQUISITION CORPORATION 1 7.75% $21,883
    RESIDENTIAL MORTGAGE, LLC 1 6.99% $3,299
    SIRVA MORTGAGE, INC. 1 7.13% $4,336
    SPOKANE TEACHERS 1 6.38% $12,252
    The Huntington National Bank 1 6.75% $5,493
    TOTAL MORTGAGE SERVICES, LLC 1 6.99% $4,489
    UBS Bank USA 1 7.50% $4,852
    UNION HOME MORTGAGE CORP. 1 7.38% $9,117
    V.I.P. MORTGAGE, INC. 1 7.50% $5,366
    Western State Bank 1 6.38% $3,676
    A&D Mortgage LLC 1 7.99% $11,467

    MISSOULA Average Closing Costs & Other Stats

    MISSOULA, MT's 76 lenders originated 1,855 loans during 2024. The total origination value was $706,645,000, with an average loan value of $380,941.

    MISSOULA's average closing costs are $5,769.

    The top MISSOULA lender as defined by loan originations is Opportunity Bank of Montana, with 90 loans originated. Their average total fees are $5,386, which is $2,102 lower than the next largest lender, Glacier Bank.

    The lowest fee MISSOULA lenders (with over 10 loans originated) are Opportunity Bank of Montana ($5,386), U.S. Bank ($5,762), PRIMELENDING, A PLAINSCAPITAL COMPANY ($5,770), CLEARWATER Federal Credit Union ($6,325) and UNITED WHOLESALE MORTGAGE, LLC ($6,566).

    The lowest rate MISSOULA lenders (with over 10 loans originated) are U.S. Bank (6.14%), CHURCHILL MORTGAGE CORPORATION (6.26%), CLEARWATER Federal Credit Union (6.36%), S1L, Inc. (6.55%) and ENVOY MORTGAGE, LTD (6.56%).

    MISSOULA, 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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    CBRE MULTIFAMILY CAPITAL, INC. $85,925,000 n/a 12.2%
    Glacier Bank $57,900,000 $54,595,000 -5.7% 7.7%
    Opportunity Bank of Montana $45,975,000 $50,450,000 9.7% 7.1%
    CLEARWATER Federal Credit Union $39,580,000 $43,310,000 9.4% 6.1%
    Stockman Bank of Montana $46,870,000 $40,835,000 -12.9% 5.8%
    CROSSCOUNTRY MORTGAGE, LLC $17,790,000 $33,495,000 88.3% 4.7%
    First Interstate Bank $34,825,000 $30,370,000 -12.8% 4.3%
    CHURCHILL MORTGAGE CORPORATION $27,210,000 n/a 3.9%
    UNITED WHOLESALE MORTGAGE, LLC $29,380,000 $25,810,000 -12.2% 3.7%
    QUICKEN LOANS, LLC $17,375,000 $25,150,000 44.7% 3.6%
    Century Mortgage Company DBA Century Lending Company $18,585,000 $24,385,000 31.2% 3.5%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $18,530,000 $23,465,000 26.6% 3.3%
    ENVOY MORTGAGE, LTD $10,760,000 $20,485,000 90.4% 2.9%
    TrailWest Bank $9,685,000 $12,105,000 25.0% 1.7%
    FREEDOM MORTGAGE CORPORATION $2,220,000 $11,135,000 401.6% 1.6%
    GUARANTEED RATE, INC. $11,140,000 $10,115,000 -9.2% 1.4%
    U.S. Bank $11,960,000 $9,955,000 -16.8% 1.4%
    Prosperity Home Mortgage, LLC $3,240,000 $7,885,000 143.4% 1.1%
    Bank of America $4,580,000 $7,795,000 70.2% 1.1%
    BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $6,475,000 n/a 0.9%
    S1L, Inc. $5,275,000 n/a 0.7%
    MUTUAL OF OMAHA MORTGAGE, INC. $2,890,000 $5,225,000 80.8% 0.7%
    PENNYMAC LOAN SERVICES, LLC $2,750,000 $5,105,000 85.6% 0.7%
    HORIZON $3,660,000 $5,080,000 38.8% 0.7%
    Mortgage Research Center, LLC $3,970,000 $5,015,000 26.3% 0.7%
    GREYSTONE SERVICING COMPANY LLC $4,805,000 n/a 0.7%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $6,105,000 $4,375,000 -28.3% 0.6%
    GUILD MORTGAGE COMPANY $1,910,000 $4,330,000 126.7% 0.6%
    Citizens Alliance Bank $4,200,000 $4,165,000 -0.8% 0.6%
    CMG MORTGAGE, INC. $3,675,000 $3,965,000 7.9% 0.6%
    The Loan Store, Inc. $3,900,000 n/a 0.6%
    TRIAD FINANCIAL SERVICES, INC. $300,000 $3,755,000 1,151.7% 0.5%
    Farmers State Bank $5,105,000 $3,580,000 -29.9% 0.5%
    Plains Commerce Bank $630,000 $3,580,000 468.3% 0.5%
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY $930,000 $3,265,000 251.1% 0.5%
    LOANDEPOT.COM, LLC $1,640,000 $2,865,000 74.7% 0.4%
    NEWREZ LLC $835,000 $2,710,000 224.6% 0.4%
    USAA Federal Savings Bank $1,535,000 $2,670,000 73.9% 0.4%
    PREMIER MORTGAGE RESOURCES, L.L.C. $2,765,000 $2,630,000 -4.9% 0.4%
    MOUNTAIN AMERICA $1,865,000 $2,615,000 40.2% 0.4%
    Wells Fargo Bank $4,345,000 $2,615,000 -39.8% 0.4%
    American Mortgage & Equity Consultants, Inc. $2,585,000 n/a 0.4%
    BMO Harris Bank $3,375,000 $2,575,000 -23.7% 0.4%
    Flagstar Bank, FSB $2,475,000 $2,515,000 1.6% 0.4%
    Ally Bank $945,000 $2,495,000 164.0% 0.4%
    NAVY FEDERAL CREDIT UNION $3,815,000 $2,405,000 -37.0% 0.3%
    LAKEVIEW LOAN SERVICING, LLC $195,000 $2,305,000 1,082.1% 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $1,195,000 $2,075,000 73.6% 0.3%
    JPMorgan Chase Bank $4,100,000 $1,905,000 -53.5% 0.3%
    TOWNE MORTGAGE COMPANY $925,000 $1,765,000 90.8% 0.2%
    FINANCE OF AMERICA REVERSE LLC $730,000 $1,590,000 117.8% 0.2%
    AMERICAN FINANCIAL NETWORK, INC. $280,000 $1,490,000 432.1% 0.2%
    Figure Lending LLC $520,000 $1,475,000 183.7% 0.2%
    NEXERA HOLDING LLC $1,450,000 n/a 0.2%
    PHH Mortgage Corporation $380,000 $1,440,000 278.9% 0.2%
    Morgan Stanley Private Bank $4,800,000 $1,430,000 -70.2% 0.2%
    First Montana Bank, Inc. $4,085,000 $1,350,000 -67.0% 0.2%
    Northpointe Bank $1,335,000 $1,330,000 -0.4% 0.2%
    NBKC BANK $1,475,000 $1,295,000 -12.2% 0.2%
    American Bank Center $445,000 $1,260,000 183.1% 0.2%
    Discover Bank $1,040,000 $1,255,000 20.7% 0.2%
    PARK SIDE FINANCIAL $1,305,000 $1,090,000 -16.5% 0.2%
    PNC Bank $1,240,000 $1,090,000 -12.1% 0.2%
    Barrington Bank & Trust Company, N.A. $700,000 $1,075,000 53.6% 0.2%
    AMERISAVE MORTGAGE CORPORATION $1,280,000 $1,070,000 -16.4% 0.2%
    REDWOOD RESIDENTIAL ACQUISITION CORPORATION $985,000 n/a 0.1%
    VILLAGE CAPITAL MORTGAGE $525,000 $950,000 81.0% 0.1%
    PLANET HOME LENDING, LLC $165,000 $900,000 445.5% 0.1%
    SECURITYNATIONAL MORTGAGE COMPANY $890,000 n/a 0.1%
    Bethpage Federal Credit Union $850,000 n/a 0.1%
    LONGBRIDGE FINANCIAL, LLC $645,000 $845,000 31.0% 0.1%
    21ST MORTGAGE CORPORATION $1,680,000 $820,000 -51.2% 0.1%
    NEW DAY FINANCIAL, LLC $900,000 $820,000 -8.9% 0.1%
    PLAZA HOME MORTGAGE, INC. $785,000 n/a 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $505,000 $765,000 51.5% 0.1%
    Northwest Farm Credit Services, FLCA $760,000 n/a 0.1%
    NBH Bank $745,000 n/a 0.1%
    SIRVA MORTGAGE, INC. $745,000 n/a 0.1%
    The Huntington National Bank $1,105,000 $725,000 -34.4% 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $645,000 n/a 0.1%
    MOVEMENT MORTGAGE, LLC $890,000 $625,000 -29.8% 0.1%
    BETTER MORTGAGE CORPORATION $1,110,000 $620,000 -44.1% 0.1%
    BROKER SOLUTIONS, INC. $460,000 $615,000 33.7% 0.1%
    HOMESIDE FINANCIAL, LLC $595,000 n/a 0.1%
    Citadel Servicing Corporation $235,000 $585,000 148.9% 0.1%
    RESIDENTIAL MORTGAGE, LLC $585,000 n/a 0.1%
    PACIFIC RESIDENTIAL MORTGAGE, LLC $535,000 n/a 0.1%
    ZILLOW HOME LOANS, LLC $525,000 n/a 0.1%
    United Bank $515,000 n/a 0.1%
    PRIORITY HOME LENDING, LLC $465,000 $505,000 8.6% 0.1%
    SPOKANE TEACHERS $495,000 n/a 0.1%
    BAY EQUITY LLC $115,000 $485,000 321.7% 0.1%
    CARDINAL FINANCIAL $245,000 $485,000 98.0% 0.1%
    V.I.P. MORTGAGE, INC. $485,000 n/a 0.1%
    Charles Schwab Bank, SSB $475,000 n/a 0.1%
    UNION HOME MORTGAGE CORP. $475,000 n/a 0.1%
    HOMEXPRESS MORTGAGE CORP. $445,000 n/a 0.1%
    UBS Bank USA $445,000 n/a 0.1%
    Western State Bank $435,000 n/a 0.1%
    Carrington Mortgage Services, LLC $375,000 n/a 0.1%
    Old National Bank $365,000 n/a 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $195,000 $330,000 69.2% 0.0%
    ALLIANT CREDIT UNION $150,000 $315,000 110.0% 0.0%
    USAlliance Federal Credit Union $315,000 n/a 0.0%
    CORNERSTONE HOME LENDING, INC. $2,505,000 $305,000 -87.8% 0.0%
    RELIANCE FIRST CAPITAL, LLC $255,000 $295,000 15.7% 0.0%
    Armed Forces Bank $285,000 n/a 0.0%
    Commerce Home Mortgage, Inc. $285,000 n/a 0.0%
    University Bank $285,000 n/a 0.0%
    PENTAGON FEDERAL CREDIT UNION $280,000 n/a 0.0%
    AMERICAN INTERNET MORTGAGE, INC. $295,000 $275,000 -6.8% 0.0%
    ANGEL OAK MORTGAGE SOLUTIONS LLC $365,000 $275,000 -24.7% 0.0%
    INB $265,000 n/a 0.0%
    NFM, INC. $615,000 $255,000 -58.5% 0.0%
    A&D Mortgage LLC $245,000 n/a 0.0%
    LENDSURE MORTGAGE CORP. $235,000 n/a 0.0%
    PREMIA MORTGAGE, LLC $765,000 $215,000 -71.9% 0.0%
    SPRING EQ, LLC $150,000 $205,000 36.7% 0.0%
    KINECTA $195,000 n/a 0.0%
    Southwest Airlines Federal Credit Union $195,000 n/a 0.0%
    SOUTHWEST STAGE FUNDING, LLC $385,000 $195,000 -49.4% 0.0%
    ROUNDPOINT MORTGAGE SERVICING CORPORATION $185,000 n/a 0.0%
    ADVANCIAL $165,000 n/a 0.0%
    TOTAL MORTGAGE SERVICES, LLC $165,000 n/a 0.0%
    OCMBC, INC. $135,000 n/a 0.0%
    The Central Trust Bank $1,040,000 $125,000 -88.0% 0.0%
    CREDIT HUMAN FEDERAL CREDIT UNION $385,000 $115,000 -70.1% 0.0%
    Arvest Bank $85,000 n/a 0.0%
    Bank of Utah $65,000 n/a 0.0%
    STAR USA FEDERAL CREDIT UNION $55,000 n/a 0.0%
    WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION $55,000 n/a 0.0%
    FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $35,000 n/a 0.0%
    CITIZENS EQUITY FIRST $25,000 n/a 0.0%

    MISSOULA's top lender by overall market share is CBRE MULTIFAMILY CAPITAL, INC., with 12.2% market share. In second place, with 7.7%, is Glacier Bank, having originated $54,595,000 in loans. In third place, with 7.1%, is Opportunity Bank of Montana, having originated $50,450,000 in loans. In fourth place, with 6.1%, is CLEARWATER Federal Credit Union, having originated $43,310,000 in loans. In fifth place, with 5.8%, is Stockman Bank of Montana, having originated $40,835,000 in loans.

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

    Realtor.com - MISSOULA (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 $374,100 (6.9%) $527,916 (-9.7%) 0.00 469
    2018-02-01 $384,075 (9.7%) $542,569 (-5.9%) 0.00 443
    2018-03-01 $379,900 (8.6%) $535,354 (-4.5%) 0.00 473
    2018-04-01 $377,450 (9.4%) $532,790 (0.6%) 0.00 488
    2018-05-01 $389,675 (8.4%) $546,308 (2.7%) 0.00 542
    2018-06-01 $389,950 (8.4%) $548,790 (4.9%) 0.00 634
    2018-07-01 $385,000 (4.3%) $539,577 (6.0%) 0.00 684
    2018-08-01 $384,325 (3.6%) $545,723 (7.6%) 0.00 698
    2018-09-01 $379,900 (3.0%) $536,743 (4.5%) 0.00 723
    2018-10-01 $379,975 (2.9%) $537,405 (3.0%) 0.00 698
    2018-11-01 $379,900 (5.5%) $531,922 (3.6%) 0.00 655
    2018-12-01 $384,250 (3.0%) $542,700 (3.2%) 0.00 563
    2019-01-01 $384,850 (2.9%) $550,352 (4.3%) 0.00 513
    2019-02-01 $384,750 (0.2%) $538,850 (-0.7%) 0.00 482
    2019-03-01 $386,836 (1.8%) $541,086 (1.1%) 0.00 470
    2019-04-01 $391,975 (3.9%) $546,226 (2.5%) 0.00 472
    2019-05-01 $399,900 (2.6%) $545,130 (-0.2%) 0.00 521
    2019-06-01 $398,350 (2.2%) $541,965 (-1.2%) 0.00 530
    2019-07-01 $399,950 (3.9%) $540,749 (0.2%) 0.00 538
    2019-08-01 $402,168 (4.6%) $548,712 (0.6%) 0.00 529
    2019-09-01 $405,420 (6.7%) $554,621 (3.3%) 0.00 517
    2019-10-01 $403,589 (6.2%) $560,814 (4.4%) 0.00 497
    2019-11-01 $395,000 (4.0%) $555,264 (4.4%) 0.00 450
    2019-12-01 $398,198 (3.6%) $549,410 (1.2%) 0.00 391
    2020-01-01 $417,000 (8.4%) $577,767 (5.0%) 0.00 323
    2020-02-01 $417,100 (8.4%) $585,565 (8.7%) 0.00 309
    2020-03-01 $430,150 (11.2%) $610,287 (12.8%) 0.00 328
    2020-04-01 $425,000 (8.4%) $599,973 (9.8%) 0.00 356
    2020-05-01 $449,000 (12.3%) $638,640 (17.2%) 0.00 349
    2020-06-01 $449,950 (13.0%) $639,629 (18.0%) 0.00 338
    2020-07-01 $478,225 (19.6%) $700,590 (29.6%) 0.00 311
    2020-08-01 $519,000 (29.1%) $742,464 (35.3%) 0.00 288
    2020-09-01 $525,000 (29.5%) $768,980 (38.7%) 0.00 260
    2020-10-01 $509,000 (26.1%) $769,439 (37.2%) 0.00 240
    2020-11-01 $538,675 (36.4%) $817,657 (47.3%) 0.00 182
    2020-12-01 $539,900 (35.6%) $841,374 (53.1%) 0.00 153
    2021-01-01 $614,500 (47.4%) $905,983 (56.8%) 0.00 123
    2021-02-01 $550,000 (31.9%) $848,582 (44.9%) 0.00 121
    2021-03-01 $487,450 (13.3%) $751,596 (23.2%) 0.00 140
    2021-04-01 $566,475 (33.3%) $795,710 (32.6%) 0.00 128
    2021-05-01 $575,000 (28.1%) $853,008 (33.6%) 0.00 141
    2021-06-01 $583,200 (29.6%) $882,119 (37.9%) 0.00 155
    2021-07-01 $625,000 (30.7%) $885,766 (26.4%) 0.00 175
    2021-08-01 $618,295 (19.1%) $850,777 (14.6%) 0.00 204
    2021-09-01 $642,500 (22.4%) $873,980 (13.7%) 0.00 189
    2021-10-01 $657,500 (29.2%) $885,236 (15.1%) 0.00 167
    2021-11-01 $709,000 (31.6%) $997,234 (22.0%) 0.00 131
    2021-12-01 $767,450 (42.2%) $1,056,272 (25.5%) 0.00 111
    2022-01-01 $795,000 (29.4%) $1,109,893 (22.5%) 0.00 85
    2022-02-01 $821,725 (49.4%) $1,170,110 (37.9%) 0.00 85
    2022-03-01 $774,500 (58.9%) $1,037,050 (38.0%) 0.00 92
    2022-04-01 $839,500 (48.2%) $1,045,472 (31.4%) 0.00 115
    2022-05-01 $751,000 (30.6%) $954,329 (11.9%) 0.00 172
    2022-06-01 $731,000 (25.3%) $935,549 (6.1%) 0.00 224
    2022-07-01 $724,900 (16.0%) $975,586 (10.1%) 0.00 258
    2022-08-01 $705,375 (14.1%) $951,554 (11.9%) 0.00 287
    2022-09-01 $688,741 (7.2%) $939,459 (7.5%) 0.00 293
    2022-10-01 $689,000 (4.8%) $939,705 (6.2%) 0.00 280
    2022-11-01 $679,791 (-4.1%) $955,832 (-4.2%) 0.00 268
    2022-12-01 $689,900 (-10.1%) $972,017 (-8.0%) 0.00 231
    2023-01-01 $699,000 (-12.1%) $1,022,040 (-7.9%) 0.00 217
    2023-02-01 $722,499 (-12.1%) $1,017,323 (-13.1%) 0.00 209
    2023-03-01 $794,725 (2.6%) $1,021,377 (-1.5%) 0.00 187
    2023-04-01 $800,000 (-4.7%) $1,105,049 (5.7%) 0.00 199
    2023-05-01 $778,725 (3.7%) $1,084,807 (13.7%) 0.00 250
    2023-06-01 $754,000 (3.2%) $1,051,620 (12.4%) 0.00 288
    2023-07-01 $724,900 (0.0%) $1,044,020 (7.0%) 0.00 303
    2023-08-01 $690,500 (-2.1%) $1,054,851 (10.9%) 0.00 318
    2023-09-01 $699,900 (1.6%) $1,065,582 (13.4%) 0.00 354
    2023-10-01 $699,900 (1.6%) $1,081,030 (15.0%) 0.00 358
    2023-11-01 $699,450 (2.9%) $1,097,677 (14.8%) 0.00 337
    2023-12-01 $679,900 (-1.5%) $1,018,648 (4.8%) 0.00 302
    2024-01-01 $671,248 (-4.0%) $1,022,607 (0.1%) 0.00 281
    2024-02-01 $689,250 (-4.6%) $1,009,794 (-0.7%) 0.00 249
    2024-03-01 $717,450 (-9.7%) $1,013,446 (-0.8%) 0.00 247
    2024-04-01 $707,000 (-11.6%) $1,010,386 (-8.6%) 0.00 286
    2024-05-01 $699,000 (-10.2%) $1,034,845 (-4.6%) 0.00 348
    2024-06-01 $699,000 (-7.3%) $992,067 (-5.7%) 0.00 385
    2024-07-01 $709,000 (-2.2%) $1,018,142 (-2.5%) 0.00 405
    2024-08-01 $699,000 (1.2%) $983,486 (-6.8%) 0.00 416
    2024-09-01 $695,000 (-0.7%) $949,814 (-10.9%) 0.00 440
    2024-10-01 $691,950 (-1.1%) $956,188 (-11.6%) 0.00 437
    2024-11-01 $675,000 (-3.5%) $972,044 (-11.5%) 0.00 394
    2024-12-01 $674,750 (-0.8%) $1,013,830 (-0.5%) 0.00 351
    2025-01-01 $695,000 (3.5%) $1,057,105 (3.4%) 0.00 309
    2025-02-01 $714,500 (3.7%) $1,083,988 (7.4%) 0.00 295
    2025-03-01 $699,450 (-2.5%) $1,044,190 (3.0%) 0.00 298
    2025-04-01 $696,750 (-1.5%) $1,023,763 (1.3%) 0.00 328
    2025-05-01 $675,000 (-3.4%) $976,149 (-5.7%) 0.00 410
    MISSOULA's median listing price for 2025-05-01 was $675,000, a difference of $-24,000 (-3.4%) versus the prior year and $-21,750 versus the prior month.

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

    MISSOULA's average listing price for 2025-05-01 was $976,149, a difference of $-58,696 (-5.7%) versus the prior year and $-47,614 versus the prior month.

    For the 2025-05-01 period, MISSOULA had 410 MLS listings, a difference of 82 listings (25%) versus the prior month and 62 listings (18%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - MISSOULA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,190 sqft
    2018-02-01 0 days 2,215 sqft
    2018-03-01 0 days 2,175 sqft
    2018-04-01 0 days 2,216 sqft
    2018-05-01 0 days 2,189 sqft
    2018-06-01 0 days 2,155 sqft
    2018-07-01 0 days 2,113 sqft
    2018-08-01 0 days 2,135 sqft
    2018-09-01 0 days 2,087 sqft
    2018-10-01 0 days 2,080 sqft
    2018-11-01 0 days 2,054 sqft
    2018-12-01 0 days 2,091 sqft
    2019-01-01 0 days 2,095 sqft
    2019-02-01 0 days 2,069 sqft
    2019-03-01 0 days 2,069 sqft
    2019-04-01 0 days 2,082 sqft
    2019-05-01 0 days 2,229 sqft
    2019-06-01 0 days 2,230 sqft
    2019-07-01 0 days 2,229 sqft
    2019-08-01 0 days 2,237 sqft
    2019-09-01 0 days 2,234 sqft
    2019-10-01 0 days 2,231 sqft
    2019-11-01 0 days 2,196 sqft
    2019-12-01 0 days 2,138 sqft
    2020-01-01 0 days 2,163 sqft
    2020-02-01 0 days 2,112 sqft
    2020-03-01 0 days 2,216 sqft
    2020-04-01 0 days 2,202 sqft
    2020-05-01 0 days 2,289 sqft
    2020-06-01 0 days 2,286 sqft
    2020-07-01 0 days 2,394 sqft
    2020-08-01 0 days 2,432 sqft
    2020-09-01 0 days 2,415 sqft
    2020-10-01 0 days 2,438 sqft
    2020-11-01 0 days 2,442 sqft
    2020-12-01 0 days 2,344 sqft
    2021-01-01 0 days 2,515 sqft
    2021-02-01 0 days 2,263 sqft
    2021-03-01 0 days 2,086 sqft
    2021-04-01 0 days 2,200 sqft
    2021-05-01 0 days 2,335 sqft
    2021-06-01 0 days 2,172 sqft
    2021-07-01 0 days 2,197 sqft
    2021-08-01 0 days 2,298 sqft
    2021-09-01 0 days 2,330 sqft
    2021-10-01 0 days 2,263 sqft
    2021-11-01 0 days 2,347 sqft
    2021-12-01 0 days 2,406 sqft
    2022-01-01 0 days 2,323 sqft
    2022-02-01 0 days 2,353 sqft
    2022-03-01 0 days 2,272 sqft
    2022-04-01 0 days 2,296 sqft
    2022-05-01 0 days 2,242 sqft
    2022-06-01 0 days 2,294 sqft
    2022-07-01 0 days 2,305 sqft
    2022-08-01 0 days 2,221 sqft
    2022-09-01 0 days 2,199 sqft
    2022-10-01 0 days 2,274 sqft
    2022-11-01 0 days 2,198 sqft
    2022-12-01 0 days 2,184 sqft
    2023-01-01 0 days 2,199 sqft
    2023-02-01 0 days 2,234 sqft
    2023-03-01 0 days 2,282 sqft
    2023-04-01 0 days 2,279 sqft
    2023-05-01 0 days 2,230 sqft
    2023-06-01 0 days 2,244 sqft
    2023-07-01 0 days 2,076 sqft
    2023-08-01 0 days 2,095 sqft
    2023-09-01 0 days 2,126 sqft
    2023-10-01 0 days 2,141 sqft
    2023-11-01 0 days 2,139 sqft
    2023-12-01 0 days 2,120 sqft
    2024-01-01 0 days 2,117 sqft
    2024-02-01 0 days 2,086 sqft
    2024-03-01 0 days 2,136 sqft
    2024-04-01 0 days 2,080 sqft
    2024-05-01 0 days 2,021 sqft
    2024-06-01 0 days 1,992 sqft
    2024-07-01 0 days 2,077 sqft
    2024-08-01 0 days 2,082 sqft
    2024-09-01 0 days 2,021 sqft
    2024-10-01 0 days 2,063 sqft
    2024-11-01 0 days 2,043 sqft
    2024-12-01 0 days 2,081 sqft
    2025-01-01 0 days 2,121 sqft
    2025-02-01 0 days 2,127 sqft
    2025-03-01 0 days 2,080 sqft
    2025-04-01 0 days 2,056 sqft
    2025-05-01 0 days 2,072 sqft
    MISSOULA's median listing age (time on market) for 2025-05-01 was 0 days.

    MISSOULA's median square footage for active listings during the 2025-05-01 period was 2,072 sqft. One year prior, the average listing was 2,021 sqft.

    MISSOULA, MT Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 948 $447,950,000 $472,521
    Home Improvement 273 $32,165,000 $117,821
    Refi 248 $140,510,000 $566,573
    Other 197 $25,835,000 $131,142
    Cash Out Refi 189 $60,185,000 $318,439

    Missoula's most frequently cited loan purpose was Home Purchase, with 948 originations. The 2nd most popular reason was Home Improvement, with 273 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 635 $301,115,000 $474,197
    Over 8% 533 $83,905,000 $157,420
    7-8% 325 $116,475,000 $358,385
    5-6% 223 $130,915,000 $587,063
    4-5% 41 $33,255,000 $811,098
    3-4% 3 $1,255,000 $418,333
    <2.5% 2 $110,000 $55,000
    2.5-3% 1 $55,000 $55,000

    During 2024, Missoula's most frequently originated rate bucket was 6-7%, with 635 originations.

    Loan Sizing (MISSOULA, MT MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 572 $172,970,000 $302,395
    $400k-600k 402 $195,680,000 $486,766
    $100,000 or less 361 $21,215,000 $58,767
    $100k-200k 313 $42,075,000 $134,425
    $600k-1000k 178 $129,100,000 $725,281
    $Over $1MM 29 $145,605,000 $5,020,862

    MISSOULA's loan sizing saw the bucket of loans from $200k-400k with 572 originations, totaling $172,970,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    Under 20% 437 $35,105,000 $80,332
    80-100% 408 $192,220,000 $471,127
    60-80% 381 $253,325,000 $664,895
    20-40% 252 $54,370,000 $215,754
    40-60% 243 $120,415,000 $495,535
    Over 100% 15 $9,995,000 $666,333

    MISSOULA's loan sizing saw loans grouped in the Under 20% Loan-to-value bucket with 437 originations, totaling $35,105,000 in origination value.