Largest lenders in Stillwater County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Altana Federal Credit Union | A | 45 | 33 | 17.8% | 6.25% |
| 2 | Rocket Mortgage | C | 31 | 21 | 6.5% | 6.38% |
| 3 | The Yellowstone Bank | B | 27 | 20 | 3.7% | — |
| 4 | Stockman Bank of Montana | B | 21 | 13 | 9.5% | 7.00% |
| 5 | Evergreen Moneysource Mortgage | B | 20 | 13 | 0.0% | 6.50% |
| 6 | Glacier Bank | D | 18 | 9 | 27.8% | 6.50% |
| 7 | Guaranteed Rate | B | 16 | 6 | 25.0% | 6.65% |
| 8 | Valley Financial Credit Union | D | 16 | 14 | 12.5% | 7.50% |
| 9 | First Interstate Bank | D | 14 | 7 | 42.9% | 7.63% |
| 10 | United Shore Financial Services | B | 13 | 10 | 7.7% | 6.06% |
| 11 | Guild Mortgage | A | 13 | 11 | 0.0% | 6.75% |
| 12 | U.S. Bank | D | 10 | 3 | 40.0% | 6.38% |
| 13 | Mortgage Research Center | C | 10 | 5 | 10.0% | 5.99% |
| 14 | AmeriSave Mortgage | D | 7 | 2 | 57.1% | 7.19% |
| 15 | Opportunity Bank of Montana | B | 7 | 4 | 0.0% | 6.81% |
| 16 | Bravera Bank | A | 6 | 4 | 0.0% | — |
| 17 | Freedom Mortgage | B | 6 | 2 | 0.0% | 5.75% |
| 18 | Nationstar Mortgage | C | 6 | 2 | 50.0% | 6.38% |
| 19 | USAA Federal Savings Bank | C | 5 | 3 | 20.0% | 5.88% |
| 20 | Lakeview Loan Servicing | C | 5 | 1 | 20.0% | 8.38% |
| 21 | CMG Mortgage | A | 5 | 4 | 0.0% | 6.56% |
| 22 | Servion | B | 5 | 3 | 0.0% | 6.25% |
| 23 | American Financing | D | 5 | 2 | 40.0% | 6.19% |
What Stillwater County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Stillwater County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 244 | 145 | 13.5% | 7.13% | $265,000 |
| 2024 | 337 | 209 | 15.4% | 6.63% | $225,000 |
| 2025 | 416 | 254 | 15.4% | 6.50% | $255,000 |
Frequently asked questions
15.4% of applications in Stillwater County were denied in 2025, against 14.8% statewide in Montana.
Altana Federal Credit Union, with 45 applications in 2025 and a denial rate of 17.8%.
The median mortgage application in Stillwater County in 2025 was for $255,000; the median property value on originated loans was $465,000.