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Yellowstone County, Montana · 2025

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

219 lenders acted on 6,588 mortgage applications for properties in Yellowstone County in 2025. 13.6% were denied (Montana: 14.8%). Median rate on closed loans 6.50%; median loan $245,000; median property value $395,000.

6.6kApplications
13.6%Denial ratestate 14.8%
6.50%Median ratestate 6.63%
$245,000Median loan
$395,000Median property value

Largest lenders in Yellowstone County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Stockman Bank of Montana B 592439 5.9%7.00%
2 Evergreen Moneysource Mortgage B 475336 1.1%6.13%
3 Glacier Bank D 395257 14.2%6.50%
4 Altana Federal Credit Union A 325253 16.6%6.25%
5 Rocket Mortgage C 299222 14.7%6.88%
6 United Shore Financial Services B 273201 9.2%6.13%
7 Valley Financial Credit Union D 257196 22.2%7.25%
8 Opportunity Bank of Montana B 243170 8.6%7.00%
9 Lower C 191142 6.3%6.13%
10 Guild Mortgage A 191138 2.6%6.13%
11 The Yellowstone Bank B 186140 3.8%—
12 U.S. Bank D 182100 22.5%7.28%
13 Mortgage Research Center C 14671 13.0%6.25%
14 21st Mortgage F 13631 45.6%10.84%
15 Guaranteed Rate B 13282 5.3%6.25%
16 First Interstate Bank D 12678 16.7%8.25%
17 Freedom Mortgage B 11957 11.8%6.13%
18 Broker Solutions D 10759 7.5%6.69%
19 Pennymac Loan Services C 9651 11.5%7.00%
20 Mountain America Federal Credit Union D 9334 44.1%7.50%
21 Crosscountry Mortgage B 9267 2.2%6.58%
22 First Federal Bank & Trust B 7668 1.3%—
23 Newrez D 7434 13.5%6.50%
24 AmeriSave Mortgage D 7330 49.3%7.44%
25 Navy Federal Credit Union D 5530 9.1%6.31%

Best approval odds in Yellowstone County

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

#LenderDecidedDecision denial rate
1Evergreen Moneysource Mortgage3741.3%
2First Federal Bank & Trust701.4%
3Crosscountry Mortgage692.9%
4Guild Mortgage1593.1%
5The Yellowstone Bank1474.8%
6Stockman Bank of Montana4907.1%
7Guaranteed Rate907.8%
8Lower1547.8%
9Opportunity Bank of Montana19610.7%
10United Shore Financial Services23010.9%

What Yellowstone County borrowers applied for

By loan purpose

Home purchase 3,321 50% · 8.2% denied
Refinance 993 15% · 11.2% denied
Cash-out refinance 1,044 16% · 20.2% denied
Home improvement 573 9% · 23.0% denied
Other / HELOC 657 10% · 25.4% denied

By loan type

Conventional 4,822 73% · 14.4% denied
FHA 1,029 16% · 11.6% denied
VA 722 11% · 10.4% denied
USDA / RHS 15 0% · 20.0% denied

Why applications were denied

Debt-to-income ratio 305 35%
Credit history 204 23%
Collateral 133 15%
Incomplete application 87 10%
Other 69 8%
Insufficient cash 41 5%
Unverifiable information 29 3%
Employment history 16 2%

Yellowstone County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20235,1103,30814.4%6.88%$235,000
20245,8453,75815.4%6.69%$225,000
20256,5884,23513.6%6.50%$245,000

Frequently asked questions

13.6% of applications in Yellowstone County were denied in 2025, against 14.8% statewide in Montana.

Stockman Bank of Montana, with 592 applications in 2025 and a denial rate of 5.9%.

The median mortgage application in Yellowstone County in 2025 was for $245,000; the median property value on originated loans was $395,000.