Largest lenders in Ravalli County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 118 | 91 | 11.9% | 6.50% |
| 2 | United Shore Financial Services | B | 93 | 82 | 3.2% | 6.43% |
| 3 | Glacier Bank | D | 93 | 61 | 16.1% | 7.13% |
| 4 | Opportunity Bank of Montana | B | 83 | 60 | 7.2% | 6.88% |
| 5 | TrailWest Bank | C | 55 | 41 | 12.7% | — |
| 6 | U.S. Bank | D | 51 | 24 | 31.4% | 6.88% |
| 7 | Crosscountry Mortgage | B | 51 | 38 | 5.9% | 6.75% |
| 8 | Stockman Bank of Montana | B | 44 | 34 | 6.8% | 6.63% |
| 9 | Mortgage Research Center | C | 42 | 17 | 19.1% | 6.13% |
| 10 | First Interstate Bank | D | 33 | 19 | 33.3% | 8.25% |
| 11 | Churchill Mortgage | B | 31 | 22 | 0.0% | 6.06% |
| 12 | Pennymac Loan Services | C | 29 | 19 | 3.5% | 7.25% |
| 13 | Kind Lending | C | 29 | 20 | 20.7% | 6.56% |
| 14 | Prosperity Home Mortgage | A | 28 | 22 | 0.0% | 6.63% |
| 15 | AmeriSave Mortgage | D | 27 | 13 | 44.4% | 9.00% |
| 16 | Freedom Mortgage | B | 26 | 9 | 11.5% | 6.13% |
| 17 | Guild Mortgage | A | 24 | 18 | 4.2% | 6.50% |
| 18 | Navy Federal Credit Union | D | 23 | 10 | 34.8% | 8.10% |
| 19 | Newrez | D | 22 | 6 | 27.3% | 8.44% |
| 20 | Guaranteed Rate | B | 21 | 10 | 4.8% | 6.44% |
| 21 | Horizon Federally Insured State-Chartered Credit Union | C | 21 | 12 | 33.3% | 2.99% |
| 22 | Loandepot.Com | D | 19 | 12 | 21.1% | 7.25% |
| 23 | Synergy One Lending | C | 18 | 9 | 11.1% | 6.69% |
| 24 | Broker Solutions | D | 17 | 6 | 5.9% | 6.69% |
| 25 | Primelending, a Plainscapital | A | 17 | 13 | 5.9% | 6.99% |
Best approval odds in Ravalli County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Shore Financial Services | 85 | 3.5% |
| 2 | Opportunity Bank of Montana | 67 | 9.0% |
| 3 | Rocket Mortgage | 110 | 12.7% |
| 4 | Glacier Bank | 77 | 19.5% |
What Ravalli County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Ravalli County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,087 | 663 | 16.5% | 6.85% | $305,000 |
| 2024 | 1,265 | 737 | 19.8% | 6.88% | $285,000 |
| 2025 | 1,426 | 872 | 15.2% | 6.63% | $315,000 |
Frequently asked questions
15.2% of applications in Ravalli County were denied in 2025, against 14.8% statewide in Montana.
Rocket Mortgage, with 118 applications in 2025 and a denial rate of 11.9%.
The median mortgage application in Ravalli County in 2025 was for $315,000; the median property value on originated loans was $625,000.