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Lewis and Clark County, Montana
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 2,333 mortgage applications in Lewis and Clark County, Montana, for 2024, and originated 1,470 loans worth $454m.
That is 47.1 originations per 1,000 households, against 42.4 for Montana and 48.0 nationally.
The county's denial rate was 17.6%, below the state rate of 20.9%. The median rate spread on originated loans was 0.3 percentage points and 16.4% of originations were 1.5 points or more above the average prime offer rate.
23 lenders reached 25 applications in the county; the most active by originations were Evergreen Moneysource Mortgage Company (173), Glacier Bank (150) and Stockman Bank of Montana (132).
Originations were up 12% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Evergreen Moneysource Mortgage Company | 214 | 173 | $68m | 3.3% | — |
| 2 | Glacier Bank | 247 | 150 | $44m | 23.5% | — |
| 3 | Stockman Bank of Montana | 177 | 132 | $38m | 8.2% | — |
| 4 | Opportunity Bank of Montana | 162 | 110 | $25m | 13.2% | — |
| 5 | Rocket Mortgage | 89 | 69 | $16m | 13.3% | — |
| 6 | Us Bank, N.A. | 76 | 49 | $13m | 20.6% | — |
| 7 | Intrepid Credit Union | 77 | 43 | $5.7m | 24.6% | — |
| 8 | Mortgage Research Center | 68 | 43 | $18m | 4.4% | — |
| 9 | First Interstate Bank | 66 | 43 | $8.8m | 23.2% | — |
| 10 | Guaranteed Rate, Inc. | 62 | 38 | $13m | 13.0% | — |
| 11 | United Wholesale Mortgage | 41 | 25 | $10m | 15.2% | — |
| 12 | Pennymac Loan Services LLC | 43 | 23 | $6.4m | 14.8% | — |
| 13 | Churchill Mortgage Corporation | 29 | 23 | $9.2m | 4.0% | — |
| 14 | Rocky Mountain Credit Union | 27 | 22 | $4.8m | 12.0% | — |
| 15 | Loandepot.com, LLC | 40 | 21 | $5.3m | 38.9% | — |
| 16 | Union Home Mortgage Corp. | 27 | 19 | $7.4m | — | — |
| 17 | Synergy One Lending, Inc. | 31 | 18 | $5.2m | — | — |
| 18 | Navy Federal Credit Union | 40 | 17 | $5.2m | 34.6% | — |
| 19 | Triad Financial Services, Inc. | 47 | 16 | $1.8m | 34.0% | — |
| 20 | Freedom Mortgage Corporation | 43 | 16 | $6.3m | — | — |
| 21 | Discover Bank | 51 | 10 | $850k | 68.6% | — |
| 22 | Usaa Bank | 26 | 10 | $4.0m | — | — |
| 23 | Amerisave Mortgage Company | 31 | 5 | $455k | 82.1% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 23. Denial rate is denials over decided applications in this county.
Compared with Montana and the nation
| Measure | This county | Montana | United States |
|---|---|---|---|
| Denial rate | 17.6% | 20.9% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 16.4% | 13.8% | 15.6% |
| Average originated loan | $309k | $348k | $329k |
| Originations per 1,000 households | 47.1 | 42.4 | 48.0 |
| Home purchase share of originations | 53.6% | 54.8% | 57.0% |
| FHA-insured share | 6.9% | 10.4% | 13.4% |
| VA-guaranteed share | 15.6% | 11.1% | 7.9% |
Rate spread distribution
Share of 1,292 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Montana). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 54% (788)Home improvement 10% (148)Refinancing 12% (178)Cash-out refinancing 14% (211)Other purpose 10% (145)
By type
Conventional 77% (1,139)FHA 7% (102)VA 16% (229)
Trend by year
ApplicationsOriginations
This countyMontana
Questions and answers
Which lenders are most active in Lewis and Clark County, MT?
By 2024 originations: Evergreen Moneysource Mortgage Company (173), Glacier Bank (150), Stockman Bank of Montana (132), Opportunity Bank of Montana (110), Rocket Mortgage (69). 23 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Lewis and Clark County?
17.6% of decided applications were denied in 2024, against 20.9% across Montana and 24.3% nationally.
How many mortgages were originated in Lewis and Clark County in 2024?
1,470 loans totalling $454m, from 2,333 applications; 47.1 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 30049; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.