Lowest closing cost mortgage lenders in Gallatin County County, Montana
In Gallatin County, Montana, homebuyers paid a median of $8,143 in closing costs in 2024 — above the Montana median of $7,216. The county saw 1,028 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Opportunity Bank of Montana offered the lowest median costs at $3,731, which is $3,904 less than the county median.
Homebuyers in Gallatin County County who chose Opportunity Bank of Montana paid $4,412 less in closing costs than the county median.
County Median Costs
$8,143
+12.8% vs Montana ($7,216)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$4,334
Purchase Originations
1,028
vs Montana Median
12.8% above
$927
vs National Median
20.8% above
$1,402
Lender rankings in Gallatin County County
21 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,731 | 6.562% | $525 | 24 | −$3,904 | |
| 2 | $5,100 | 6.562% | $1,275 | 30 | −$2,535 | |
| 3 | $5,541 | 6.938% | $2,817 | 16 | −$2,094 | |
| 4 | $5,655 | 6.625% | $2,305 | 12 | −$1,980 | |
| 5 | $6,015 | 6.625% | $1,640 | 117 | −$1,620 | |
| 6 | $6,429 | 6.562% | $3,571 | 20 | −$1,206 | |
| 7 | $7,521 | 6.625% | $4,142 | 11 | −$114 | |
| 8 | $7,580 | 7.000% | $4,545 | 59 | −$55 | |
| 9 | $7,940 | 6.625% | $3,801 | 10 | +$305 | |
| 10 | $8,161 | 6.625% | $5,957 | 17 | +$526 | |
| 11 | $8,534 | 6.624% | $5,757 | 14 | +$899 | |
| 12 | $8,545 | 6.625% | $5,911 | 21 | +$910 | |
| 13 | $8,588 | 6.990% | $5,528 | 45 | +$954 | |
| 14 | $8,642 | 6.624% | $5,612 | 42 | +$1,007 | |
| 15 | $8,940 | 6.500% | $6,758 | 43 | +$1,305 | |
| 16 | $9,187 | 6.750% | $1,482 | 11 | +$1,552 | |
| 17 | $9,515 | 7.375% | $2,367 | 11 | +$1,880 | |
| 18 | $9,650 | 6.500% | $6,192 | 86 | +$2,015 | |
| 19 | $9,757 | 6.500% | $5,201 | 18 | +$2,122 | |
| 20 | $10,718 | 6.625% | $7,654 | 63 | +$3,083 | |
| 21 | $11,799 | 7.000% | $9,419 | 16 | +$4,164 |
Includes lenders with 10+ purchase originations in Gallatin County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Montana → Lender Directory
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.