Lenders › Stockman Bank of Montana › Montana
Stockman Bank of Montana in Montana
HMDA record for properties in Montana, calendar year 2024. National record · Montana overview
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.
In Montana, Stockman Bank of Montana reported 2,589 applications and 1,994 originations for 2024, $562m in all.
Its denial rate in the state was 6.7%, below the Montana rate of 20.9% across all lenders and compared with the lender's national rate of 6.7%.
The median rate spread on its Montana originations was 0.2 percentage points (state median 0.3).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Montana | Montana, all lenders | Stockman Bank of Montana, all states | United States |
|---|---|---|---|---|
| Denial rate | 6.7% | 20.9% | 6.7% | 24.3% |
| Median rate spread, pp | 0.2 | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.2% | 13.8% | 2.3% | 15.6% |
| Average originated loan | $282k | $348k | $282k | $329k |
| Home purchase share | 61.5% | 54.8% | 61.6% | 57.0% |
| FHA-insured share | 9.0% | 10.4% | 8.9% | 13.4% |
| VA-guaranteed share | 7.4% | 11.1% | 7.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMontana, all lenders
Loan purpose and loan type in Montana
By purpose
Home purchase 61% (1,226)Home improvement 13% (255)Refinancing 13% (259)Cash-out refinancing 3% (62)Other purpose 10% (192)
By type
Conventional 83% (1,653)FHA 9% (179)VA 7% (148)USDA 1% (14)
Denial reasons as coded
Share of 147 denials in Montana by first denial reason coded (outlined bar: all lenders in the state).
Counties in Montana
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Yellowstone County | 587 | 459 | $95m | 5.2% |
| Cascade County | 455 | 345 | $114m | 5.6% |
| Gallatin County | 309 | 235 | $115m | 7.0% |
| Lewis and Clark County | 177 | 132 | $38m | 8.2% |
| Missoula County | 159 | 123 | $41m | 8.0% |
| Flathead County | 110 | 74 | $28m | 15.4% |
| Custer County | 68 | 58 | $8.2m | 6.3% |
| Richland County | 68 | 58 | $11m | 9.4% |
| Beaverhead County | 63 | 49 | $9.4m | 5.8% |
| Dawson County | 50 | 43 | $5.2m | 10.4% |
| Broadwater County | 41 | 34 | $7.9m | 0.0% |
| Hill County | 41 | 34 | $6.2m | 2.9% |
| Madison County | 38 | 28 | $6.4m | 9.4% |
| Glacier County | 28 | 26 | $3.1m | 0.0% |
| Ravalli County | 30 | 25 | $8.9m | 7.4% |
| Jefferson County | 30 | 23 | $7.4m | — |
| Pondera County | 25 | 20 | $2.2m | — |
| Fergus County | 29 | 18 | $3.9m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Stockman Bank of Montana originate in Montana in 2024?
1,994 loans totalling $562m, from 2,589 applications reported for properties in Montana.
What is Stockman Bank of Montana's denial rate in Montana?
6.7% of decided applications in Montana were denied, against 20.9% for all lenders in the state and 6.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Montana counties does Stockman Bank of Montana lend in most?
By originations: Yellowstone County (459), Cascade County (345), Gallatin County (235), Lewis and Clark County (132), Missoula County (123).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Montana. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.