The Yellowstone Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
73rd5.0% deniedProcesswithdrawn + incomplete share, weight 15%
14th22.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 214 | 147 | 12.6% | 15.5% | 7.38% | $51M |
| 2024 | 209 | 160 | 8.1% | 9.6% | — | $60M |
| 2025 | 284 | 209 | 3.9% | 5.0% | — | $76M |
What The Yellowstone Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 13 manufactured homes, 56 investment properties.
Who gets approved at The Yellowstone Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 65 | 46 | 4.2% |
| $100k – $150k | 57 | 37 | 5.1% |
| $150k – $250k | 39 | 30 | 3.2% |
| Over $250k | 45 | 28 | 3.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 54 | 41 | 2.4% |
| 35–44 | 60 | 39 | 11.4% |
| 45–54 | 47 | 29 | 6.5% |
| 55–64 | 43 | 28 | 6.7% |
| 65–74 | 33 | 26 | 3.7% |
Where The Yellowstone Bank lends
2 states and 4 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Montana | 283 | 208 | 3.9% | — | #29 |
Frequently asked questions
The Yellowstone Bank denied 5.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 73rd percentile of small mortgage lenders.
In 2025, 60% of its applications were for home purchases, 39% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 91% conventional, 7% FHA, 2% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.