Mortgage lending in Yellowstone County
4,235 mortgages were originated in Yellowstone 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
- 4,235
- Median rate
- 6.500%
- Median lender fees
- $6,869
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
- $255,000
- Above the going rate (spread over APOR)
- 0.187
- Paid discount points
- 37.4%
- Received lender credits
- 18.2%
- Purchases / refinances
- 55.2% / 27.4%
- Conventional / FHA / VA
- 74.6% / 15% / 10.2%
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 65.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $754,400
- Median home price
- $606,000
- That home, 20% down
- $484,800
A median-priced home with 20% down leaves $347,950 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 Yellowstone County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Stockman Bank of Montana | 439 | $6,384 | 7.000% |
| Evergreen Moneysource Mortgage Company | 336 | $11,577 | 6.125% |
| Glacier Bank | 257 | $7,129 | 6.500% |
| Altana Federal Credit Union | 253 | $818 | 6.250% |
| Rocket Mortgage, LLC | 222 | $5,392 | 6.875% |
| United Shore Financial Services, LLC | 201 | $8,384 | 6.125% |
| Valley Financial Credit Union | 196 | $3,078 | 7.250% |
| Opportunity Bank of Montana | 170 | $5,970 | 7.000% |
| Lower, LLC | 142 | $8,711 | 6.125% |
| The Yellowstone Bank | 140 | — | — |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Yellowstone County — not a rule of thumb.
From 2,757 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