MISSOULA Mortgage Rates

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

30 Year Fixed Rate mortgages in Missoula averaged 6.01% 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 6.02% and one month ago for the week of 2022-05-26, the average rate was 5.01%.

Missoula's average rate one year ago was 3.12%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.85%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Missoula 30 Year Fixed Rate 2022-06-30 6.01%
Missoula 30 Year Fixed Rate Refi 2022-06-30 5.85%
Missoula 15 Year Fixed Rate 2022-06-30 5.58%
Missoula 15 Year Fixed Rate Refi 2022-06-30 5.22%
Missoula 30 Year FHA 2022-06-30 5.69%
Missoula 30 Year FHA Refi 2022-06-30 5.52%
Missoula 30 Year USDA 2022-06-30 5.37%
Missoula 30 Year USDA Refi 2022-06-30 5.48%
Missoula 30 Year VA 2022-06-30 5.56%
Missoula 30 Year VA Refi 2022-06-30 5.48%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
MANN FINANCIAL INC. 459 3.11% $5,008
Opportunity Bank of Montana 405 3.14% $4,657
CLEARWATER Federal Credit Union 289 3.16% $3,324
Glacier Bank 238 3.18% $5,770
UNITED WHOLESALE MORTGAGE, LLC 210 2.98% $3,818
QUICKEN LOANS, LLC 198 3.01% $5,995
Stockman Bank of Montana 192 3.19% $5,061
First Interstate Bank 152 3.21% $5,091
STEARNS LENDING, LLC 98 2.99% $3,797
Wells Fargo Bank 93 3.01% $4,138
LENDUS, LLC 82 3.24% $4,051
GUILD MORTGAGE COMPANY 79 3.08% $4,473
LOANDEPOT.COM, LLC 72 2.90% $4,589
U.S. Bank 54 3.12% $3,378
BETTER MORTGAGE CORPORATION 51 2.85% $4,140
ENVOY MORTGAGE, LTD 48 3.21% $4,640
Flagstar Bank, FSB 45 3.12% $3,569
AMERISAVE MORTGAGE CORPORATION 44 2.80% $5,861
GUARANTEED RATE, INC. 41 3.02% $5,209
PENNYMAC LOAN SERVICES, LLC 24 3.05% $4,960
BROKER SOLUTIONS, INC. 21 2.98% $4,846
CRESCENT MORTGAGE COMPANY 20 2.91% $4,775
FREEDOM MORTGAGE CORPORATION 18 3.16% $2,206
PRIMARY RESIDENTIAL MORTGAGE, INC. 17 3.05% $4,850
PARK SIDE FINANCIAL 16 3.55% $2,404
Ally Bank 14 2.84% $6,015
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 13 3.06% $5,797
MUTUAL OF OMAHA MORTGAGE, INC. 13 2.90% $4,365
KELLER MORTGAGE, LLC 12 3.08% $3,230
CALIBER HOME LOANS, INC. 12 3.01% $4,637
Mr. Cooper ( Nationstar Mortgage ) 12 3.08% $6,299
Bank of America 12 2.98% $3,627
NEWREZ LLC 12 3.15% $4,266
TIB The Independent Bankersbank 10 3.10% $7,689
CROSSCOUNTRY MORTGAGE, LLC 9 3.21% $5,608
Charles Schwab Bank, SSB 9 2.39% $4,440
FirstBank 9 2.86% $2,273
JPMorgan Chase Bank 9 3.04% $2,466
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 8 3.22% $3,906
HORIZON 7 3.43% $5,660
Wyndham Capital Mortgage, Inc. 7 2.88% $1,949
FINANCE OF AMERICA MORTGAGE LLC 7 3.03% $3,634
Carrington Mortgage Services, LLC 6 3.15% $4,808
PLANET HOME LENDING, LLC 6 2.92% $1,782
NAVY FEDERAL CREDIT UNION 6 3.15% $5,086
Truist Bank 6 3.20% $6,789
BAY EQUITY LLC 6 3.14% $4,641
LAKEVIEW LOAN SERVICING, LLC 6 3.42% $3,575
AMERICAN FINANCING CORPORATION 6 3.00% $3,850
MOUNTAIN AMERICA 5 2.95% $5,020
The Federal Savings Bank 5 3.33% $8,315
Morgan Stanley Private Bank 5 2.49% $5,295
KeyBank 5 2.78% $6,483
CORNERSTONE HOME LENDING, INC. 5 2.95% $5,033
Nations Lending Corporation 5 2.85% $7,361
SIWELL, INC. 4 3.16% $2,993
North American Savings Bank, F.S.B. 4 2.78% $2,297
PACIFIC RESIDENTIAL MORTGAGE, LLC 4 3.03% $7,382
CMG MORTGAGE, INC. 4 3.15% $5,007
SOFI LENDING CORP. 4 2.88% $3,370
ENDEAVOR CAPITAL, LLC. 4 3.06% $3,899
LENDERFI, INC. 4 2.72% $4,465
Citizens Bank 4 2.97% $3,068
Strong Home Mortgage, LLC 3 3.04% $2,626
Citibank 3 2.50% $16,445
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 3.46% $7,695
MOVEMENT MORTGAGE, LLC 3 3.42% $4,243
AMERICAN INTERNET MORTGAGE, INC. 3 2.58% $5,774
Axos Bank 3 3.00% $1,632
NBKC BANK 3 2.88% $2,589
Manufacturers and Traders Trust Company 3 3.25% $4,461
Northpointe Bank 3 3.13% $4,297
GoPrime Mortgage, Inc. 3 2.96% $4,397
AMCAP MORTGAGE, LTD. 3 3.21% $4,460
CHERRY CREEK MORTGAGE, LLC 2 3.56% $498
Stifel Bank and Trust 2 2.75% $2,948
LEADERONE FINANCIAL CORPORATION 2 3.38% $4,161
SPOKANE TEACHERS 2 3.25% $6,805
DRAPER AND KRAMER MORTGAGE CORP. 2 3.00% $3,865
S1L, Inc. 2 3.31% $5,714
MEGASTAR FINANCIAL CORP. 2 3.19% $3,598
Barrington Bank & Trust Company, N.A. 2 2.99% $2,890
Plains Commerce Bank 2 3.38% $3,011
CITY FIRST MORTGAGE SERVICES, L.L.C. 2 2.75% $5,509
Northwest Farm Credit Services, FLCA 2 3.45% $8,982
BKCO MORTGAGE, LLC 2 3.13% $4,071
AMERICAN PACIFIC MORTGAGE CORPORATION 2 3.13% $4,687
CANOPY MORTGAGE, LLC 2 2.87% $1,728
HOMESTEAD FUNDING CORP. 2 3.06% $3,612
Hometown Lenders, Inc. 2 2.81% $7,383
ZILLOW HOME LOANS, LLC 2 3.50% $4,535
Willamette Valley Bank 2 3.31% $4,037
IMPAC MORTGAGE CORP. 2 2.87% $0
UBS Bank USA 2 3.38% $4,062
Evolve Bank & Trust 2 3.12% $4,205
The Union Bank Company 2 3.31% $5,193
TCF National Bank 2 3.06% $4,684
SWBC MORTGAGE CORPORATION 1 4.38% $8,250
ADVANCIAL 1 4.88% $3,844
AFFINITY 1 3.13% $3,221
American Bank Center 1 2.50% $4,492
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 3.50% $9,725
Arvest Bank 1 3.63% $12,418
Bell Bank 1 2.88% $3,730
BILLINGS 1 2.88% $8,155
BNC National Bank 1 2.88% $4,462
Carrollton Bank 1 2.50% $2,317
CHURCHILL MORTGAGE CORPORATION 1 3.88% $3,664
City National Bank 1 2.51% $4,425
CLEARPATH LENDING 1 3.13% $1,808
Columbia State Bank 1 3.75% $5,557
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 3.00% $5,995
DELMAR FINANCIAL COMPANY 1 2.88% $3,711
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 2.99% $11,770
First Federal Bank 1 3.13% $8,679
First Guaranty Mortgage Corporation 1 3.25% $2,273
First International Bank & Trust 1 4.63% $8,051
First Savings Bank 1 2.75% $6,850
GENEVA FINANCIAL, LLC 1 3.63% $3,913
Goldman Sachs Bank USA 1 2.80% $3,933
HOME POINT FINANCIAL CORPORATION 1 3.13% $986
HOMESIDE FINANCIAL, LLC 1 4.38% $4,293
IDAHO CENTRAL 1 2.88% $5,688
Independent Bank 1 5.00% $12,346
JUSTICE Federal Credit Union 1 3.00% $4,648
KINECTA 1 3.38% $7,156
LENDSURE MORTGAGE CORP. 1 4.88% $7,542
Mortgage Research Center, LLC 1 3.75% $5,075
NATIONS DIRECT MORTGAGE, LLC 1 2.63% $3,759
NEW DAY FINANCIAL, LLC 1 2.50% $11,648
NUMERICA CREDIT UNION 1 3.25% $3,754
Paramount Residential Mortgage Group, Inc. 1 3.25% $5,033
PHH Mortgage Corporation 1 2.75% $12,090
Pinnacle Bank 1 2.75% $3,445
PNC Bank 1 3.38% $4,806
PREMIER MORTGAGE RESOURCES, L.L.C. 1 3.50% $11,571
Raymond James Bank 1 2.75% $4,512
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 1 3.25% $9,567
RESIDENTIAL BANCORP. 1 3.25% $2,405
SIRVA MORTGAGE, INC. 1 2.63% $1,227
SOVEREIGN LENDING GROUP INCORPORATED 1 2.75% $12,690
ACADEMY MORTGAGE CORPORATION 1 3.38% $3,819
The First National Bank of Fort Smith 1 3.25% $4,364
The Huntington National Bank 1 3.38% $4,834
TIAA, FSB 1 3.38% $3,102
VAN DYK MORTGAGE CORPORATION 1 2.88% $4,267
West Gate Bank 1 2.88% $2,270
Wheatland Bank 1 2.99% $4,299

MISSOULA, MT's 148 lenders originated 6,037 loans during 2021. The total origination value was $1,853,745,000, with an average loan value of $307,064.

The top MISSOULA lender as defined by loan originations is MANN FINANCIAL INC., with 459 loans originated. Their average total fees are $5,008, which is $351 higher than the next largest lender, Opportunity Bank of Montana.

The lowest fee MISSOULA lenders (with over 10 loans originated) are FREEDOM MORTGAGE CORPORATION ($2,206), PARK SIDE FINANCIAL ($2,404), KELLER MORTGAGE, LLC ($3,230), CLEARWATER Federal Credit Union ($3,324) and U.S. Bank ($3,378).

The lowest rate MISSOULA lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (2.80%), Ally Bank (2.84%), BETTER MORTGAGE CORPORATION (2.85%), LOANDEPOT.COM, LLC (2.90%) and MUTUAL OF OMAHA MORTGAGE, INC. (2.90%).

MISSOULA, 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
Glacier Bank $193,245,000 $199,445,000 3.2% 10.8%
MANN FINANCIAL INC. $187,695,000 $182,685,000 -2.7% 9.9%
Opportunity Bank of Montana $192,715,000 $176,165,000 -8.6% 9.5%
CLEARWATER Federal Credit Union $170,475,000 $114,885,000 -32.6% 6.2%
First Interstate Bank $136,360,000 $114,850,000 -15.8% 6.2%
UNITED WHOLESALE MORTGAGE, LLC $60,005,000 $97,525,000 62.5% 5.3%
QUICKEN LOANS, LLC $92,890,000 $96,735,000 4.1% 5.2%
Stockman Bank of Montana $186,465,000 $93,100,000 -50.1% 5.0%
Wells Fargo Bank $57,040,000 $46,345,000 -18.8% 2.5%
STEARNS LENDING, LLC $48,470,000 $42,505,000 -12.3% 2.3%
LENDUS, LLC $44,790,000 $39,820,000 -11.1% 2.1%
GUILD MORTGAGE COMPANY $32,875,000 $36,665,000 11.5% 2.0%
FREEDOM MORTGAGE CORPORATION $56,105,000 $35,565,000 -36.6% 1.9%
LOANDEPOT.COM, LLC $19,895,000 $34,260,000 72.2% 1.8%
U.S. Bank $36,780,000 $32,450,000 -11.8% 1.8%
BETTER MORTGAGE CORPORATION $10,415,000 $24,985,000 139.9% 1.3%
GUARANTEED RATE, INC. $19,610,000 $24,140,000 23.1% 1.3%
ENVOY MORTGAGE, LTD $18,120,000 $23,895,000 31.9% 1.3%
East West Bank $22,565,000 n/a 1.2%
TrailWest Bank $18,720,000 $19,475,000 4.0% 1.1%
AMERISAVE MORTGAGE CORPORATION $16,840,000 $16,485,000 -2.1% 0.9%
Flagstar Bank, FSB $19,435,000 $16,280,000 -16.2% 0.9%
Citibank $970,000 $13,095,000 1,250.0% 0.7%
PENNYMAC LOAN SERVICES, LLC $5,920,000 $13,065,000 120.7% 0.7%
Bank of America $6,855,000 $12,620,000 84.1% 0.7%
Farmers State Bank $21,610,000 $11,165,000 -48.3% 0.6%
Citizens Alliance Bank $8,060,000 $10,560,000 31.0% 0.6%
HomeStreet Bank $10,165,000 $10,405,000 2.4% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $7,790,000 $9,120,000 17.1% 0.5%
PARK SIDE FINANCIAL $12,160,000 $8,485,000 -30.2% 0.5%
PRIMARY RESIDENTIAL MORTGAGE, INC. $5,060,000 $8,480,000 67.6% 0.5%
BROKER SOLUTIONS, INC. $4,350,000 $8,275,000 90.2% 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $4,365,000 $7,865,000 80.2% 0.4%
CRESCENT MORTGAGE COMPANY $7,910,000 $7,750,000 -2.0% 0.4%
Mortgage Research Center, LLC $14,100,000 $7,600,000 -46.1% 0.4%
NAVY FEDERAL CREDIT UNION $4,330,000 $7,195,000 66.2% 0.4%
CALIBER HOME LOANS, INC. $3,130,000 $7,175,000 129.2% 0.4%
NEWREZ LLC $2,505,000 $6,720,000 168.3% 0.4%
Ally Bank $885,000 $6,460,000 629.9% 0.3%
LAKEVIEW LOAN SERVICING, LLC $7,565,000 $6,005,000 -20.6% 0.3%
USAA Federal Savings Bank $11,660,000 $5,970,000 -48.8% 0.3%
Charles Schwab Bank, SSB $305,000 $5,865,000 1,823.0% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $1,290,000 $4,560,000 253.5% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $5,130,000 $4,390,000 -14.4% 0.2%
Morgan Stanley Private Bank $1,780,000 $4,315,000 142.4% 0.2%
KELLER MORTGAGE, LLC $4,555,000 $4,095,000 -10.1% 0.2%
NEW DAY FINANCIAL, LLC $2,985,000 $4,035,000 35.2% 0.2%
HORIZON $7,050,000 $3,975,000 -43.6% 0.2%
NUMERICA CREDIT UNION $455,000 $3,850,000 746.2% 0.2%
JPMorgan Chase Bank $9,205,000 $3,825,000 -58.4% 0.2%
BAY EQUITY LLC $4,205,000 $3,685,000 -12.4% 0.2%
KeyBank $3,585,000 n/a 0.2%
FirstBank $5,490,000 $3,530,000 -35.7% 0.2%
FINANCE OF AMERICA MORTGAGE LLC $3,945,000 $3,355,000 -15.0% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $4,580,000 $3,310,000 -27.7% 0.2%
PHH Mortgage Corporation $1,595,000 $3,300,000 106.9% 0.2%
TIB The Independent Bankersbank $1,185,000 $3,250,000 174.3% 0.2%
The Federal Savings Bank $3,810,000 $3,055,000 -19.8% 0.2%
Goldman Sachs Bank USA $1,575,000 $3,005,000 90.8% 0.2%
AMERICAN FINANCING CORPORATION $1,675,000 $2,970,000 77.3% 0.2%
CMG MORTGAGE, INC. $1,775,000 $2,930,000 65.1% 0.2%
North American Savings Bank, F.S.B. $3,175,000 $2,925,000 -7.9% 0.2%
Wyndham Capital Mortgage, Inc. $2,455,000 $2,860,000 16.5% 0.2%
Truist Bank $4,085,000 $2,795,000 -31.6% 0.2%
CORNERSTONE HOME LENDING, INC. $2,585,000 $2,695,000 4.3% 0.1%
Idaho First Bank $2,515,000 n/a 0.1%
CLEARPATH LENDING $4,650,000 $2,365,000 -49.1% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $520,000 $2,320,000 346.2% 0.1%
Carrington Mortgage Services, LLC $255,000 $2,250,000 782.4% 0.1%
PLANET HOME LENDING, LLC $255,000 $2,215,000 768.6% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,895,000 $2,170,000 14.5% 0.1%
Northpointe Bank $2,650,000 $2,125,000 -19.8% 0.1%
MOUNTAIN AMERICA $65,000 $1,935,000 2,876.9% 0.1%
LENDERFI, INC. $355,000 $1,845,000 419.7% 0.1%
NBKC BANK $7,755,000 $1,830,000 -76.4% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $2,025,000 $1,740,000 -14.1% 0.1%
CANOPY MORTGAGE, LLC $1,700,000 n/a 0.1%
Nations Lending Corporation $1,255,000 $1,670,000 33.1% 0.1%
AMERICAN ADVISORS GROUP $245,000 $1,600,000 553.1% 0.1%
SPOKANE TEACHERS $1,590,000 n/a 0.1%
Citadel Servicing Corporation $1,575,000 n/a 0.1%
Axos Bank $1,220,000 $1,550,000 27.0% 0.1%
Hometown Lenders, Inc. $175,000 $1,545,000 782.9% 0.1%
SOFI LENDING CORP. $740,000 $1,510,000 104.1% 0.1%
The Huntington National Bank $255,000 $1,450,000 468.6% 0.1%
PACIFIC RESIDENTIAL MORTGAGE, LLC $500,000 $1,420,000 184.0% 0.1%
First Montana Bank, Inc. $570,000 $1,320,000 131.6% 0.1%
PENTAGON FEDERAL CREDIT UNION $2,140,000 $1,285,000 -40.0% 0.1%
Armed Forces Bank $345,000 $1,280,000 271.0% 0.1%
S1L, Inc. $215,000 $1,275,000 493.0% 0.1%
First Savings Bank $650,000 $1,265,000 94.6% 0.1%
AMCAP MORTGAGE, LTD. $450,000 $1,240,000 175.6% 0.1%
TCF National Bank $1,040,000 $1,230,000 18.3% 0.1%
Rocky Mountain Bank $25,000 $1,210,000 4,740.0% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $1,870,000 $1,205,000 -35.6% 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $2,150,000 $1,205,000 -44.0% 0.1%
BKCO MORTGAGE, LLC $1,175,000 n/a 0.1%
Citizens Bank $1,990,000 $1,160,000 -41.7% 0.1%
MOVEMENT MORTGAGE, LLC $1,155,000 n/a 0.1%
PNC Bank $890,000 $1,155,000 29.8% 0.1%
UBS Bank USA $1,275,000 $1,140,000 -10.6% 0.1%
BNC National Bank $1,170,000 $1,050,000 -10.3% 0.1%
Willamette Valley Bank $1,015,000 $995,000 -2.0% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $1,305,000 $990,000 -24.1% 0.1%
GoPrime Mortgage, Inc. $1,480,000 $965,000 -34.8% 0.1%
SIWELL, INC. $485,000 $965,000 99.0% 0.1%
Washington Trust Bank $935,000 n/a 0.1%
Stifel Bank and Trust $770,000 $925,000 20.1% 0.0%
City National Bank $505,000 $920,000 82.2% 0.0%
First Guaranty Mortgage Corporation $930,000 $905,000 -2.7% 0.0%
KS StateBank $355,000 $885,000 149.3% 0.0%
Evolve Bank & Trust $870,000 n/a 0.0%
Strong Home Mortgage, LLC $865,000 n/a 0.0%
Pinnacle Bank $855,000 n/a 0.0%
HOMESTEAD FUNDING CORP. $275,000 $840,000 205.5% 0.0%
IMPAC MORTGAGE CORP. $815,000 n/a 0.0%
Northwest Farm Credit Services, FLCA $2,080,000 $800,000 -61.5% 0.0%
Barrington Bank & Trust Company, N.A. $3,315,000 $795,000 -76.0% 0.0%
ENDEAVOR CAPITAL, LLC. $790,000 n/a 0.0%
REDWOOD RESIDENTIAL ACQUISITION CORPORATION $765,000 n/a 0.0%
Arvest Bank $760,000 n/a 0.0%
Sunflower Bank $175,000 $755,000 331.4% 0.0%
Manufacturers and Traders Trust Company $735,000 n/a 0.0%
Raymond James Bank $805,000 $735,000 -8.7% 0.0%
First Federal Bank $1,300,000 $730,000 -43.8% 0.0%
NBH Bank $725,000 n/a 0.0%
Plains Commerce Bank $1,030,000 $715,000 -30.6% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $400,000 $710,000 77.5% 0.0%
21ST MORTGAGE CORPORATION $605,000 $700,000 15.7% 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $645,000 n/a 0.0%
First Federal Bank of Kansas City $235,000 $640,000 172.3% 0.0%
MEGASTAR FINANCIAL CORP. $640,000 n/a 0.0%
VAN DYK MORTGAGE CORPORATION $620,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $690,000 $610,000 -11.6% 0.0%
MID AMERICA MORTGAGE, INC. $580,000 $600,000 3.4% 0.0%
The Union Bank Company $760,000 $570,000 -25.0% 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $560,000 n/a 0.0%
LEADERONE FINANCIAL CORPORATION $560,000 n/a 0.0%
Umpqua Bank $115,000 $555,000 382.6% 0.0%
FINANCE OF AMERICA REVERSE LLC $550,000 n/a 0.0%
HOME POINT FINANCIAL CORPORATION $825,000 $550,000 -33.3% 0.0%
ZILLOW HOME LOANS, LLC $385,000 $550,000 42.9% 0.0%
The First National Bank of Fort Smith $545,000 n/a 0.0%
UNION HOME MORTGAGE CORP. $535,000 n/a 0.0%
CHEVRON $515,000 n/a 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $515,000 n/a 0.0%
First Federal Savings and Loan Association of Lakewood $505,000 n/a 0.0%
FOUR POINTS $505,000 n/a 0.0%
CHERRY CREEK MORTGAGE, LLC $500,000 n/a 0.0%
The Central Trust Bank $495,000 n/a 0.0%
BILLINGS $485,000 n/a 0.0%
Platinum Home Mortgage Corporation $475,000 n/a 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $450,000 $460,000 2.2% 0.0%
GENEVA FINANCIAL, LLC $455,000 n/a 0.0%
CITY FIRST MORTGAGE SERVICES, L.L.C. $450,000 n/a 0.0%
Texana Bank $445,000 n/a 0.0%
Commerce Bank $435,000 n/a 0.0%
AFFINITY $425,000 n/a 0.0%
Independent Bank $95,000 $425,000 347.4% 0.0%
SIRVA MORTGAGE, INC. $425,000 n/a 0.0%
HOMESIDE FINANCIAL, LLC $420,000 n/a 0.0%
Frontier Bank $405,000 n/a 0.0%
American Bank Center $205,000 $390,000 90.2% 0.0%
ACADEMY MORTGAGE CORPORATION $900,000 $385,000 -57.2% 0.0%
Burke & Herbert Bank & Trust Company $385,000 n/a 0.0%
IDAHO CENTRAL $385,000 n/a 0.0%
Discover Bank $550,000 $380,000 -30.9% 0.0%
Carrollton Bank $225,000 $375,000 66.7% 0.0%
SWBC MORTGAGE CORPORATION $375,000 n/a 0.0%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $365,000 n/a 0.0%
JUSTICE Federal Credit Union $365,000 n/a 0.0%
KINECTA $365,000 n/a 0.0%
Wheatland Bank $355,000 n/a 0.0%
Community First National Bank $335,000 n/a 0.0%
CHURCHILL MORTGAGE CORPORATION $510,000 $325,000 -36.3% 0.0%
LENDSURE MORTGAGE CORP. $325,000 n/a 0.0%
NATIONS DIRECT MORTGAGE, LLC $245,000 $325,000 32.7% 0.0%
ALLIANT CREDIT UNION $315,000 n/a 0.0%
First Home Bank $305,000 n/a 0.0%
West Gate Bank $305,000 n/a 0.0%
First Internet Bank of Indiana $550,000 $295,000 -46.4% 0.0%
Columbia State Bank $305,000 $275,000 -9.8% 0.0%
Low VA Rates, LLC $795,000 $275,000 -65.4% 0.0%
Paramount Bank $325,000 $275,000 -15.4% 0.0%
First International Bank & Trust $265,000 n/a 0.0%
First Republic Bank $265,000 n/a 0.0%
Bank of Idaho $255,000 n/a 0.0%
DELMAR FINANCIAL COMPANY $255,000 n/a 0.0%
Paramount Residential Mortgage Group, Inc. $1,995,000 $255,000 -87.2% 0.0%
ACCELERATE MORTGAGE, LLC $460,000 $245,000 -46.7% 0.0%
COUNTRYPLACE MORTGAGE, LTD. $235,000 n/a 0.0%
REVERSE MORTGAGE FUNDING LLC $235,000 n/a 0.0%
RESIDENTIAL BANCORP. $225,000 n/a 0.0%
EVERETT FINANCIAL, INC. $215,000 n/a 0.0%
Bell Bank $195,000 n/a 0.0%
SPRING EQ, LLC $260,000 $165,000 -36.5% 0.0%
BOKF $155,000 n/a 0.0%
EVANSVILLE TEACHERS $155,000 n/a 0.0%
ADVANCIAL $135,000 n/a 0.0%
TIAA, FSB $730,000 $135,000 -81.5% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $55,000 n/a 0.0%
Figure Lending LLC $120,000 $40,000 -66.7% 0.0%

MISSOULA's top lender by overall market share is Glacier Bank, with 10.8% market share. In second place, with 9.9%, is MANN FINANCIAL INC., having originated $182,685,000 in loans. In third place, with 9.5%, is Opportunity Bank of Montana, having originated $176,165,000 in loans. In third place, with 6.2%, is CLEARWATER Federal Credit Union, having originated $114,885,000 in loans. In third place, with 6.2%, is First Interstate Bank, having originated $114,850,000 in loans.


MISSOULA, MT Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 2,063 $549,015,000 $266,125
Home Purchase 1,840 $764,640,000 $415,565
Cash Out Refi 1,497 $447,525,000 $298,948
Home Improvement 444 $65,690,000 $147,950
Other 192 $26,430,000 $137,656
NA 1 $445,000 $445,000

Missoula's most frequently cited loan purpose was Refi, with 2,063 originations. The 2nd most popular reason was Home Purchase, with 1,840 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 2,296 $766,910,000 $334,020
2.5-3% 2,276 $725,050,000 $318,563
<2.5% 809 $230,985,000 $285,519
4-5% 412 $77,620,000 $188,398
5-6% 44 $3,530,000 $80,227
7-8% 22 $1,450,000 $65,909
6-7% 14 $1,740,000 $124,286
Over 8% 7 $535,000 $76,429

During 2021, Missoula's most frequently originated rate bucket was 3-4%, with 2,296 originations.

Loan Sizing (MISSOULA, MT MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 3,216 $931,010,000 $289,493
$100k-200k 1,202 $184,600,000 $153,577
$400k-600k 931 $442,895,000 $475,720
$100,000 or less 493 $28,095,000 $56,988
$600k-1000k 143 $104,585,000 $731,364
$Over $1MM 52 $162,560,000 $3,126,154

MISSOULA's loan sizing saw the bucket of loans from $200k-400k with 3,216 originations, totaling $931,010,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 2,089 $768,315,000 $367,791
40-60% 1,423 $388,015,000 $272,674
80-100% 1,044 $426,140,000 $408,180
20-40% 712 $140,190,000 $196,896
Under 20% 427 $29,985,000 $70,222
Over 100% 22 $10,000,000 $454,545

MISSOULA's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 2,089 originations, totaling $768,315,000 in origination value.


Market Conditions (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 $393,000 (6.5%) $555,640 (-14.7%) 0.00 524
2018-02-01 $398,000 (7.7%) $568,110 (-11.0%) 0.00 487
2018-03-01 $389,000 (10.9%) $566,889 (-7.2%) 0.00 513
2018-04-01 $388,900 (11.9%) $570,394 (-1.5%) 0.00 523
2018-05-01 $399,850 (10.3%) $588,213 (3.4%) 0.00 569
2018-06-01 $399,500 (8.0%) $575,441 (3.7%) 0.00 665
2018-07-01 $398,450 (7.3%) $566,487 (6.2%) 0.00 704
2018-08-01 $404,350 (7.2%) $568,605 (7.1%) 0.00 729
2018-09-01 $394,500 (4.1%) $564,033 (3.4%) 0.00 745
2018-10-01 $389,450 (3.3%) $560,715 (1.0%) 0.00 740
2018-11-01 $386,900 (3.5%) $553,153 (2.4%) 0.00 667
2018-12-01 $389,000 (0.0%) $566,875 (1.7%) 0.00 575
2019-01-01 $389,000 (-1.0%) $578,037 (4.0%) 0.00 531
2019-02-01 $387,900 (-2.5%) $560,165 (-1.4%) 0.00 488
2019-03-01 $392,657 (0.9%) $557,804 (-1.6%) 0.00 475
2019-04-01 $399,250 (2.7%) $558,622 (-2.1%) 0.00 469
2019-05-01 $418,100 (4.6%) $565,489 (-3.9%) 0.00 516
2019-06-01 $409,800 (2.6%) $555,745 (-3.4%) 0.00 535
2019-07-01 $419,450 (5.3%) $557,502 (-1.6%) 0.00 542
2019-08-01 $410,857 (1.6%) $552,335 (-2.9%) 0.00 547
2019-09-01 $406,357 (3.0%) $558,238 (-1.0%) 0.00 547
2019-10-01 $414,550 (6.4%) $576,126 (2.8%) 0.00 511
2019-11-01 $417,100 (7.8%) $565,904 (2.3%) 0.00 443
2019-12-01 $422,450 (8.6%) $566,432 (-0.1%) 0.00 385
2020-01-01 $436,700 (12.3%) $600,518 (3.9%) 0.00 322
2020-02-01 $441,000 (13.7%) $586,172 (4.6%) 0.00 304
2020-03-01 $439,300 (11.9%) $608,732 (9.1%) 0.00 317
2020-04-01 $436,650 (9.4%) $596,627 (6.8%) 0.00 342
2020-05-01 $462,900 (10.7%) $640,969 (13.4%) 0.00 321
2020-06-01 $462,000 (12.7%) $651,205 (17.2%) 0.00 318
2020-07-01 $494,000 (17.8%) $726,935 (30.4%) 0.00 290
2020-08-01 $535,000 (30.2%) $782,588 (41.7%) 0.00 277
2020-09-01 $562,500 (38.4%) $876,115 (56.9%) 0.00 251
2020-10-01 $550,000 (32.7%) $873,731 (51.7%) 0.00 230
2020-11-01 $609,950 (46.2%) $943,387 (66.7%) 0.00 178
2020-12-01 $614,500 (45.5%) $941,049 (66.1%) 0.00 141
2021-01-01 $665,900 (52.5%) $956,251 (59.2%) 0.00 110
2021-02-01 $550,000 (24.7%) $885,422 (51.1%) 0.00 106
2021-03-01 $500,000 (13.8%) $776,088 (27.5%) 0.00 124
2021-04-01 $557,450 (27.7%) $809,246 (35.6%) 0.00 116
2021-05-01 $582,500 (25.8%) $868,767 (35.5%) 0.00 133
2021-06-01 $582,450 (26.1%) $900,030 (38.2%) 0.00 148
2021-07-01 $618,245 (25.2%) $927,150 (27.5%) 0.00 166
2021-08-01 $619,930 (15.9%) $871,702 (11.4%) 0.00 181
2021-09-01 $637,500 (13.3%) $885,336 (1.1%) 0.00 172
2021-10-01 $652,000 (18.6%) $899,852 (3.0%) 0.00 151
2021-11-01 $692,450 (13.5%) $973,703 (3.2%) 0.00 115
2021-12-01 $751,000 (22.2%) $1,041,231 (10.7%) 0.00 94
2022-01-01 $799,000 (20.0%) $1,155,133 (20.8%) 0.00 71
2022-02-01 $798,250 (45.1%) $1,166,652 (31.8%) 0.00 73
2022-03-01 $742,000 (48.4%) $1,027,976 (32.5%) 0.00 80
2022-04-01 $795,000 (42.6%) $1,031,270 (27.4%) 0.00 105
2022-05-01 $742,500 (27.5%) $951,363 (9.5%) 0.00 160
2022-06-01 $730,000 (25.3%) $940,265 (4.5%) 0.00 218
MISSOULA's median listing price for 2022-06-01 was $730,000, a difference of $147,550 (25.3%) versus the prior year and $-12,500 versus the prior month.

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

MISSOULA's average listing price for 2022-06-01 was $940,265, a difference of $40,235 (4.5%) versus the prior year and $-11,098 versus the prior month.

For the 2022-06-01 period, MISSOULA had 218 MLS listings, a difference of 58 listings (36%) versus the prior month and 70 listings (47%) 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 2,228 sqft
2018-02-01 0 days 2,294 sqft
2018-03-01 0 days 2,292 sqft
2018-04-01 0 days 2,314 sqft
2018-05-01 0 days 2,284 sqft
2018-06-01 0 days 2,230 sqft
2018-07-01 0 days 2,163 sqft
2018-08-01 0 days 2,224 sqft
2018-09-01 0 days 2,192 sqft
2018-10-01 0 days 2,163 sqft
2018-11-01 0 days 2,120 sqft
2018-12-01 0 days 2,144 sqft
2019-01-01 0 days 2,150 sqft
2019-02-01 0 days 2,096 sqft
2019-03-01 0 days 2,095 sqft
2019-04-01 0 days 2,136 sqft
2019-05-01 0 days 2,282 sqft
2019-06-01 0 days 2,255 sqft
2019-07-01 0 days 2,230 sqft
2019-08-01 0 days 2,230 sqft
2019-09-01 0 days 2,256 sqft
2019-10-01 0 days 2,249 sqft
2019-11-01 0 days 2,196 sqft
2019-12-01 0 days 2,165 sqft
2020-01-01 0 days 2,231 sqft
2020-02-01 0 days 2,234 sqft
2020-03-01 0 days 2,272 sqft
2020-04-01 0 days 2,217 sqft
2020-05-01 0 days 2,320 sqft
2020-06-01 0 days 2,347 sqft
2020-07-01 0 days 2,466 sqft
2020-08-01 0 days 2,450 sqft
2020-09-01 0 days 2,548 sqft
2020-10-01 0 days 2,536 sqft
2020-11-01 0 days 2,563 sqft
2020-12-01 0 days 2,407 sqft
2021-01-01 0 days 2,520 sqft
2021-02-01 0 days 2,293 sqft
2021-03-01 0 days 2,058 sqft
2021-04-01 0 days 2,230 sqft
2021-05-01 0 days 2,320 sqft
2021-06-01 0 days 2,206 sqft
2021-07-01 0 days 2,246 sqft
2021-08-01 0 days 2,345 sqft
2021-09-01 0 days 2,356 sqft
2021-10-01 0 days 2,345 sqft
2021-11-01 0 days 2,345 sqft
2021-12-01 0 days 2,392 sqft
2022-01-01 0 days 2,460 sqft
2022-02-01 0 days 2,390 sqft
2022-03-01 0 days 2,311 sqft
2022-04-01 0 days 2,280 sqft
2022-05-01 0 days 2,209 sqft
2022-06-01 0 days 2,300 sqft
MISSOULA's median listing age (time on market) for 2022-06-01 was 0 days.

MISSOULA's median square footage for active listings during the 2022-06-01 period was 2,300 sqft. One year prior, the average listing was 2,206 sqft.