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Cascade County, Montana · 2025

Mortgage lenders in Cascade County, MT: denial rates and top lenders (2025)

161 lenders acted on 3,211 mortgage applications for properties in Cascade County in 2025. 14.1% were denied (Montana: 14.8%). Median rate on closed loans 6.38%; median loan $225,000; median property value $345,000.

3.2kApplications
14.1%Denial ratestate 14.8%
6.38%Median ratestate 6.63%
$225,000Median loan
$345,000Median property value

Largest lenders in Cascade County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Stockman Bank of Montana B 503381 4.2%6.50%
2 Opportunity Bank of Montana B 270210 8.2%6.13%
3 Fairway Independent Mortgage B 170122 2.9%5.88%
4 Mortgage Research Center C 15569 16.8%6.13%
5 Freedom Mortgage B 14676 6.9%5.75%
6 Rocket Mortgage C 146113 13.0%6.50%
7 United Shore Financial Services B 11790 6.8%5.81%
8 Montana Federal Credit Union C 11287 10.7%6.74%
9 Horizon Federally Insured State-Chartered Credit Union C 10754 35.5%2.99%
10 Evergreen Moneysource Mortgage B 9863 2.0%6.13%
11 U.S. Bank D 8846 27.3%7.85%
12 Synergy One Lending C 6548 10.8%5.88%
13 Russell Country Federal Credit Union – 6142 11.5%6.95%
14 Pennymac Loan Services C 5022 20.0%6.37%
15 Citizens Alliance Bank B 5044 6.0%—
16 Union Home Mortgage B 4635 6.5%6.13%
17 Belt Valley Bank – 4435 18.2%—
18 Navy Federal Credit Union D 4219 16.7%6.13%
19 AmeriSave Mortgage D 415 78.1%8.75%
20 First Interstate Bank D 3923 33.3%8.38%
21 Guaranteed Rate B 379 10.8%6.25%
22 Broker Solutions D 3610 5.6%6.94%
23 Loandepot.Com D 3422 20.6%6.87%
24 Spring Eq D 3311 42.4%9.75%
25 Bravera Bank A 3228 3.1%—

Best approval odds in Cascade County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Evergreen Moneysource Mortgage762.6%
2Fairway Independent Mortgage1273.9%
3Stockman Bank of Montana4085.2%
4United Shore Financial Services1017.9%
5Opportunity Bank of Montana2339.4%
6Freedom Mortgage1039.7%
7Montana Federal Credit Union10111.9%
8Russell Country Federal Credit Union5612.5%
9Synergy One Lending5512.7%
10Rocket Mortgage13614.0%

What Cascade County borrowers applied for

By loan purpose

Home purchase 1,451 45% · 7.4% denied
Refinance 561 17% · 11.1% denied
Cash-out refinance 617 19% · 21.1% denied
Home improvement 281 9% · 23.5% denied
Other / HELOC 301 9% · 29.2% denied

By loan type

Conventional 1,964 61% · 16.1% denied
FHA 435 14% · 13.8% denied
VA 804 25% · 9.5% denied
USDA / RHS 8 0% · 12.5% denied

Why applications were denied

Debt-to-income ratio 127 29%
Credit history 107 24%
Collateral 67 15%
Incomplete application 57 13%
Other 46 10%
Insufficient cash 17 4%
Unverifiable information 16 4%
Employment history 2 0%

Cascade County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,5031,58314.4%6.63%$215,000
20242,7311,70113.3%6.50%$235,000
20253,2111,98914.1%6.38%$225,000

Frequently asked questions

14.1% of applications in Cascade County were denied in 2025, against 14.8% statewide in Montana.

Stockman Bank of Montana, with 503 applications in 2025 and a denial rate of 4.2%.

The median mortgage application in Cascade County in 2025 was for $225,000; the median property value on originated loans was $345,000.