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Lewis and Clark County, Montana · 2025

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

174 lenders acted on 2,831 mortgage applications for properties in Lewis and Clark County in 2025. 13.5% were denied (Montana: 14.8%). Median rate on closed loans 6.75%; median loan $305,000; median property value $485,000.

2.8kApplications
13.5%Denial ratestate 14.8%
6.75%Median ratestate 6.63%
$305,000Median loan
$485,000Median property value

Largest lenders in Lewis and Clark County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Glacier Bank D 322196 17.4%7.61%
2 Evergreen Moneysource Mortgage B 267205 0.4%6.50%
3 Stockman Bank of Montana B 192154 6.8%6.75%
4 Opportunity Bank of Montana B 180122 11.1%7.00%
5 Rocket Mortgage C 13596 17.0%6.75%
6 U.S. Bank D 9963 16.2%6.99%
7 United Shore Financial Services B 9464 8.5%6.04%
8 Mortgage Research Center C 8843 19.3%5.99%
9 First Interstate Bank D 7448 17.6%8.25%
10 Freedom Mortgage B 7338 0.0%5.75%
11 Union Home Mortgage B 6752 3.0%6.63%
12 Guaranteed Rate B 6643 3.0%6.30%
13 Pennymac Loan Services C 5937 10.2%6.88%
14 Intrepid Credit Union – 5244 5.8%7.19%
15 Synergy One Lending C 4730 6.4%6.63%
16 Triad Financial Services D 4421 34.1%8.75%
17 Newrez D 4121 9.8%6.25%
18 Sofi Bank D 4017 7.5%6.94%
19 Broker Solutions D 3922 2.6%6.74%
20 Navy Federal Credit Union D 3516 22.9%6.69%
21 Discover Bank F 3210 50.0%8.50%
22 AmeriSave Mortgage D 288 57.1%6.75%
23 Loandepot.Com D 2814 28.6%6.31%
24 21st Mortgage F 2710 37.0%9.70%
25 Rocky Mountain Credit Union – 2723 14.8%—

Best approval odds in Lewis and Clark County

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

#LenderDecidedDecision denial rate
1Evergreen Moneysource Mortgage2170.5%
2Union Home Mortgage563.6%
3Stockman Bank of Montana1697.7%
4United Shore Financial Services7710.4%
5Opportunity Bank of Montana14314.0%
6Rocket Mortgage12318.7%
7U.S. Bank8319.3%
8First Interstate Bank6121.3%
9Glacier Bank25422.1%
10Mortgage Research Center6028.3%

What Lewis and Clark County borrowers applied for

By loan purpose

Home purchase 1,286 45% · 7.9% denied
Refinance 444 16% · 14.2% denied
Cash-out refinance 513 18% · 18.3% denied
Home improvement 275 10% · 17.8% denied
Other / HELOC 313 11% · 23.3% denied

By loan type

Conventional 2,091 74% · 14.0% denied
FHA 269 10% · 14.5% denied
VA 467 16% · 10.7% denied
USDA / RHS 4 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 112 30%
Credit history 81 22%
Collateral 68 18%
Incomplete application 54 15%
Other 30 8%
Insufficient cash 16 4%
Unverifiable information 7 2%
Employment history 4 1%

Lewis and Clark County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,0231,31713.8%7.13%$245,000
20242,3331,47014.0%6.88%$275,000
20252,8311,78913.5%6.75%$305,000

Frequently asked questions

13.5% of applications in Lewis and Clark County were denied in 2025, against 14.8% statewide in Montana.

Glacier Bank, with 322 applications in 2025 and a denial rate of 17.4%.

The median mortgage application in Lewis and Clark County in 2025 was for $305,000; the median property value on originated loans was $485,000.