Largest lenders in Gallatin County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Glacier Bank | D | 355 | 220 | 16.3% | 7.25% |
| 2 | Stockman Bank of Montana | B | 350 | 260 | 8.3% | 6.95% |
| 3 | Guaranteed Rate | B | 296 | 210 | 3.4% | 6.60% |
| 4 | Rocket Mortgage | C | 184 | 137 | 19.0% | 6.88% |
| 5 | U.S. Bank | D | 183 | 105 | 21.3% | 6.88% |
| 6 | Cornerstone Capital Bank | A | 173 | 148 | 1.2% | 6.63% |
| 7 | United Shore Financial Services | B | 156 | 116 | 10.9% | 6.37% |
| 8 | Opportunity Bank of Montana | B | 132 | 76 | 12.9% | 7.00% |
| 9 | Crosscountry Mortgage | B | 114 | 73 | 7.9% | 6.50% |
| 10 | First Interstate Bank | D | 104 | 58 | 27.9% | 8.25% |
| 11 | Pennymac Loan Services | C | 86 | 50 | 9.3% | 7.19% |
| 12 | Evergreen Moneysource Mortgage | B | 78 | 56 | 1.3% | 6.50% |
| 13 | GoPrime Mortgage | B | 72 | 63 | 1.4% | 6.62% |
| 14 | Guild Mortgage | A | 71 | 53 | 2.8% | 6.63% |
| 15 | JPMorgan Chase Bank | B | 64 | 40 | 9.4% | 6.38% |
| 16 | Bank of America | F | 63 | 28 | 22.2% | 5.99% |
| 17 | Newrez | D | 57 | 26 | 17.5% | 6.13% |
| 18 | Freedom Mortgage | B | 51 | 13 | 15.7% | 6.25% |
| 19 | Kind Lending | C | 44 | 28 | 18.2% | 6.63% |
| 20 | Nationstar Mortgage | C | 44 | 28 | 2.3% | 8.19% |
| 21 | Wells Fargo Bank | B | 41 | 24 | 19.5% | 6.38% |
| 22 | Calcon Mutual Mortgage | D | 40 | 22 | 17.5% | 6.50% |
| 23 | American Pacific Mortgage | C | 39 | 27 | 18.0% | 6.88% |
| 24 | The Loan Store | B | 37 | 34 | 0.0% | 6.38% |
| 25 | Mortgage Research Center | C | 36 | 17 | 16.7% | 5.99% |
Best approval odds in Gallatin County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Cornerstone Capital Bank | 150 | 1.3% |
| 2 | GoPrime Mortgage | 64 | 1.6% |
| 3 | Evergreen Moneysource Mortgage | 58 | 1.7% |
| 4 | Guild Mortgage | 60 | 3.3% |
| 5 | Guaranteed Rate | 222 | 4.5% |
| 6 | Stockman Bank of Montana | 300 | 9.7% |
| 7 | Crosscountry Mortgage | 83 | 10.8% |
| 8 | United Shore Financial Services | 135 | 12.6% |
| 9 | Pennymac Loan Services | 59 | 13.6% |
| 10 | Opportunity Bank of Montana | 95 | 17.9% |
What Gallatin County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Gallatin County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 3,263 | 2,089 | 13.9% | 6.99% | $375,000 |
| 2024 | 3,663 | 2,265 | 15.5% | 6.99% | $385,000 |
| 2025 | 4,140 | 2,618 | 13.4% | 6.75% | $405,000 |
Frequently asked questions
13.4% of applications in Gallatin County were denied in 2025, against 14.8% statewide in Montana.
Glacier Bank, with 355 applications in 2025 and a denial rate of 16.3%.
The median mortgage application in Gallatin County in 2025 was for $405,000; the median property value on originated loans was $725,000.