Mortgage lending in Gallatin County
2,618 mortgages were originated in Gallatin County, Montana, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,618
- Median rate
- 6.750%
- Median lender fees
- $6,993
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $425,000
- Above the going rate (spread over APOR)
- 0.184
- Paid discount points
- 38.8%
- Received lender credits
- 22.7%
- Purchases / refinances
- 55.7% / 27.2%
- Conventional / FHA / VA
- 89.6% / 5.3% / 5.1%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 71.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $718,750
- Median home price
- $620,000
- That home, 20% down
- $496,000
A median-priced home with 20% down leaves $336,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Gallatin County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Stockman Bank of Montana | 260 | $7,808 | 6.950% |
| Glacier Bank | 220 | $7,609 | 7.250% |
| Guaranteed Rate, Inc. | 210 | $5,950 | 6.600% |
| Cornerstone Capital Bank, SSB | 148 | $10,554 | 6.625% |
| Rocket Mortgage, LLC | 137 | $5,444 | 6.875% |
| United Shore Financial Services, LLC | 116 | $8,743 | 6.372% |
| U.S. Bank National Association | 105 | $5,106 | 6.875% |
| Opportunity Bank of Montana | 76 | — | 7.000% |
| Crosscountry Mortgage, Inc. | 73 | $9,034 | 6.500% |
| GoPrime Mortgage, Inc. | 63 | $8,669 | 6.624% |
What lenders charged here
Lender fees on a $425,000 loan, based on what was actually charged in Gallatin County — not a rule of thumb.
From 1,861 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers