Mortgage lending in Bozeman, MT
2,620 mortgages were originated in the Bozeman, MT area in 2025, and here is what they cost.
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
- 2,620
- 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)
- 0.185
- Paid discount points
- 38.7%
- Received lender credits
- 22.7%
- Purchases / refinances
- 55.6% / 27.3%
- Conventional / FHA / VA
- 89.5% / 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% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Bozeman, MT area, 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% |