Largest lenders in Jefferson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Glacier Bank | D | 70 | 41 | 15.7% | 7.14% |
| 2 | Rocket Mortgage | C | 32 | 21 | 15.6% | 6.50% |
| 3 | Evergreen Moneysource Mortgage | B | 32 | 24 | 3.1% | 6.44% |
| 4 | Stockman Bank of Montana | B | 31 | 25 | 3.2% | 6.38% |
| 5 | Opportunity Bank of Montana | B | 30 | 18 | 13.3% | 7.00% |
| 6 | First Interstate Bank | D | 23 | 17 | 0.0% | 8.25% |
| 7 | Mortgage Research Center | C | 18 | 8 | 27.8% | 5.99% |
| 8 | Pennymac Loan Services | C | 15 | 11 | 0.0% | 7.00% |
| 9 | Guild Mortgage | A | 15 | 7 | 6.7% | 6.63% |
| 10 | Madison Valley Bank | – | 15 | 10 | 20.0% | — |
| 11 | United Shore Financial Services | B | 14 | 9 | 7.1% | 6.63% |
| 12 | Guaranteed Rate | B | 12 | 6 | 25.0% | 6.61% |
| 13 | Intrepid Credit Union | – | 12 | 5 | 25.0% | 7.25% |
| 14 | Union Home Mortgage | B | 10 | 5 | 0.0% | 6.50% |
| 15 | Newrez | D | 9 | 1 | 44.4% | 5.75% |
| 16 | Loandepot.Com | D | 9 | 7 | 11.1% | 6.49% |
| 17 | Spring Eq | D | 8 | 3 | 37.5% | 7.23% |
| 18 | Sofi Bank | D | 8 | 1 | 25.0% | 6.69% |
| 19 | Figure Lending | C | 8 | 5 | 37.5% | 8.80% |
| 20 | New Day Financial | F | 7 | 1 | 14.3% | 6.75% |
| 21 | Carrington Mortgage Services | D | 7 | 2 | 57.1% | 7.81% |
| 22 | Calcon Mutual Mortgage | D | 7 | 6 | 14.3% | 6.63% |
| 23 | Kind Lending | C | 7 | 5 | 28.6% | 6.44% |
| 24 | AmeriSave Mortgage | D | 6 | 0 | 83.3% | — |
| 25 | Crosscountry Mortgage | B | 6 | 5 | 16.7% | 6.08% |
Best approval odds in Jefferson County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Glacier Bank | 52 | 21.2% |
What Jefferson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Jefferson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 357 | 214 | 14.3% | 7.00% | $255,000 |
| 2024 | 467 | 256 | 19.3% | 6.88% | $275,000 |
| 2025 | 565 | 332 | 15.9% | 6.75% | $275,000 |
Frequently asked questions
15.9% of applications in Jefferson County were denied in 2025, against 14.8% statewide in Montana.
Glacier Bank, with 70 applications in 2025 and a denial rate of 15.7%.
The median mortgage application in Jefferson County in 2025 was for $275,000; the median property value on originated loans was $580,000.