Largest lenders in Lincoln County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Glacier Bank | D | 147 | 96 | 21.1% | 7.50% |
| 2 | Crosscountry Mortgage | B | 61 | 47 | 4.9% | 6.49% |
| 3 | United Shore Financial Services | B | 56 | 38 | 12.5% | 6.31% |
| 4 | Rocket Mortgage | C | 53 | 38 | 24.5% | 6.81% |
| 5 | Mortgage Research Center | C | 37 | 20 | 18.9% | 6.13% |
| 6 | Pennymac Loan Services | C | 18 | 12 | 11.1% | 6.56% |
| 7 | Loandepot.Com | D | 14 | 6 | 42.9% | 8.38% |
| 8 | AmeriSave Mortgage | D | 13 | 4 | 46.2% | 8.06% |
| 9 | First Interstate Bank | D | 13 | 3 | 53.9% | 8.25% |
| 10 | Freedom Mortgage | B | 12 | 8 | 0.0% | 5.88% |
| 11 | Kind Lending | C | 11 | 5 | 27.3% | 5.99% |
| 12 | Willamette Valley Bank | C | 11 | 6 | 27.3% | 6.43% |
| 13 | U.S. Bank | D | 10 | 5 | 30.0% | 7.38% |
| 14 | New Day Financial | F | 10 | 4 | 0.0% | 6.81% |
| 15 | Lakeview Loan Servicing | C | 10 | 4 | 20.0% | 8.25% |
| 16 | Broker Solutions | D | 10 | 2 | 10.0% | 6.19% |
| 17 | Navy Federal Credit Union | D | 10 | 7 | 0.0% | 7.75% |
| 18 | Wells Fargo Bank | B | 9 | 4 | 22.2% | 6.38% |
| 19 | Spring Eq | D | 9 | 2 | 55.6% | 9.56% |
| 20 | First Montana Bank | – | 9 | 8 | 11.1% | — |
| 21 | Ark-La-Tex Financial Services, LLC. | A | 9 | 8 | 0.0% | 6.31% |
| 22 | USAA Federal Savings Bank | C | 8 | 3 | 37.5% | 6.75% |
| 23 | Barrington Bank & Trust Company | C | 8 | 4 | 12.5% | 6.94% |
| 24 | Stockman Bank of Montana | B | 8 | 8 | 0.0% | 6.38% |
| 25 | Figure Lending | C | 8 | 1 | 25.0% | 8.00% |
Best approval odds in Lincoln County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Crosscountry Mortgage | 51 | 5.9% |
| 2 | Glacier Bank | 129 | 24.0% |
| 3 | Rocket Mortgage | 52 | 25.0% |
What Lincoln County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lincoln County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 586 | 308 | 21.8% | 7.25% | $245,000 |
| 2024 | 636 | 360 | 20.8% | 6.99% | $255,000 |
| 2025 | 768 | 452 | 17.8% | 6.68% | $255,000 |
Frequently asked questions
17.8% of applications in Lincoln County were denied in 2025, against 14.8% statewide in Montana.
Glacier Bank, with 147 applications in 2025 and a denial rate of 21.1%.
The median mortgage application in Lincoln County in 2025 was for $255,000; the median property value on originated loans was $455,000.