Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Gallatin County, Montana
Every institution that decided a 1–4 unit mortgage application in Gallatin County, home to Bozeman, between 2023 and 2025: 7,705 applications, 6,288 loans actually funded, across 8 kinds of borrowing.
Gallatin County at a glance
7,705Applications decided
2023–2025
6,288Loans funded
82% of decisions
26Census tracts
7 ZIP codes
122,194People
ACS 2023
What the data shows
The typical purchase mortgage here is $475K.
Lending by loan type in Gallatin County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.8% | 3,787 | $475K | 98% | 230 |
| Home improvement loans | 69.6% | 868 | $105K | 95% | 56 |
| Cash-out refinance | 73.1% | 891 | $265K | 97% | 106 |
| Refinance | 80.1% | 874 | $385K | 94% | 118 |
| Investment property purchase | 88.6% | 934 | $455K | 96% | 195 |
| Investment cash-out refinance | 75.0% | 120 | $435K | 98% | 61 |
| Investment refinance | 88.5% | 139 | $485K | 96% | 45 |
| Investment home improvement | 67.4% | 92 | $105K | 94% | 27 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.