Lenders › 21st Mortgage › Montana
21st Mortgage 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, 21st Mortgage reported 450 applications and 89 originations for 2024, $9.7m in all.
Its denial rate in the state was 71.6%, above the Montana rate of 20.9% across all lenders and compared with the lender's national rate of 70.3%.
The median rate spread on its Montana originations was 3.9 percentage points (state median 0.3).
Applications in the state were down 8% on 2023.
Compared with the state and the lender's national record
| Measure | In Montana | Montana, all lenders | 21st Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 71.6% | 20.9% | 70.3% | 24.3% |
| Median rate spread, pp | 3.9 | 0.3 | 4.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 98.9% | 13.8% | 99.0% | 15.6% |
| Average originated loan | $109k | $348k | $114k | $329k |
| Home purchase share | 98.9% | 54.8% | 98.4% | 57.0% |
| FHA-insured share | 0.0% | 10.4% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 11.1% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMontana, all lenders
Loan purpose and loan type in Montana
By purpose
Home purchase 99% (88)Other purpose 1% (1)
By type
Conventional 100% (89)
Denial reasons as coded
Share of 229 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 | 144 | 40 | $3.8m | 63.8% |
| Flathead County | 94 | 8 | $1.0m | 86.9% |
| Missoula County | 58 | 8 | $820k | 77.8% |
| Gallatin County | 41 | 2 | $250k | 93.8% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did 21st Mortgage originate in Montana in 2024?
89 loans totalling $9.7m, from 450 applications reported for properties in Montana.
What is 21st Mortgage's denial rate in Montana?
71.6% of decided applications in Montana were denied, against 20.9% for all lenders in the state and 70.3% 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 21st Mortgage lend in most?
By originations: Yellowstone County (40), Flathead County (8), Missoula County (8), Gallatin County (2).
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.