Find a better mortgage lender

Silver Bow County, Montana · 2025

Mortgage lenders in Silver Bow County, MT: denial rates and top lenders (2025)

137 lenders acted on 1,270 mortgage applications for properties in Silver Bow County in 2025. 14.1% were denied (Montana: 14.8%). Median rate on closed loans 6.63%; median loan $215,000; median property value $335,000.

1.3kApplications
14.1%Denial ratestate 14.8%
6.63%Median ratestate 6.63%
$215,000Median loan
$335,000Median property value

Largest lenders in Silver Bow County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Guild Mortgage A 213173 3.3%6.25%
2 Glacier Bank D 12989 14.0%7.50%
3 Rocket Mortgage C 10375 15.5%6.75%
4 Opportunity Bank of Montana B 6949 18.8%6.88%
5 Mortgage Research Center C 4119 22.0%6.25%
6 Ixonia Bank C 3930 5.1%6.75%
7 United Shore Financial Services B 3725 21.6%6.13%
8 Horizon Federally Insured State-Chartered Credit Union C 3524 25.7%4.99%
9 U.S. Bank D 3215 40.6%6.99%
10 Freedom Mortgage B 3015 16.7%6.25%
11 Broker Solutions D 227 4.6%6.50%
12 Loandepot.Com D 219 14.3%6.49%
13 Prosperity Home Mortgage A 2010 5.0%6.50%
14 AmeriSave Mortgage D 196 47.4%9.50%
15 Newrez D 198 15.8%7.13%
16 Pennymac Loan Services C 188 22.2%6.69%
17 Wells Fargo Bank B 189 33.3%6.50%
18 Evergreen Moneysource Mortgage B 1713 0.0%5.93%
19 Paramount Residential Mortgage Group B 1513 0.0%6.13%
20 Stockman Bank of Montana B 149 7.1%6.75%
21 First Montana Bank – 1411 0.0%—
22 New Day Financial F 111 27.3%6.63%
23 Nationstar Mortgage C 107 20.0%8.75%
24 The Federal Savings Bank C 104 0.0%6.13%
25 Navy Federal Credit Union D 104 10.0%5.94%

Best approval odds in Silver Bow County

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

#LenderDecidedDecision denial rate
1Guild Mortgage1893.7%
2Glacier Bank10916.5%
3Rocket Mortgage9516.8%
4Opportunity Bank of Montana6221.0%

What Silver Bow County borrowers applied for

By loan purpose

Home purchase 598 47% · 6.4% denied
Refinance 162 13% · 11.7% denied
Cash-out refinance 310 24% · 20.7% denied
Home improvement 75 6% · 28.0% denied
Other / HELOC 125 10% · 29.6% denied

By loan type

Conventional 865 68% · 13.6% denied
FHA 247 19% · 15.8% denied
VA 146 11% · 13.7% denied
USDA / RHS 12 1% · 16.7% denied

Why applications were denied

Debt-to-income ratio 60 34%
Credit history 38 21%
Collateral 31 17%
Incomplete application 19 11%
Other 16 9%
Insufficient cash 7 4%
Unverifiable information 5 3%
Employment history 2 1%

Silver Bow County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202398758516.9%6.75%$175,000
20241,10768815.6%6.63%$185,000
20251,27080814.1%6.63%$215,000

Frequently asked questions

14.1% of applications in Silver Bow County were denied in 2025, against 14.8% statewide in Montana.

Guild Mortgage, with 213 applications in 2025 and a denial rate of 3.3%.

The median mortgage application in Silver Bow County in 2025 was for $215,000; the median property value on originated loans was $335,000.