Lenders › Wells Fargo Bank NA › Montana
Wells Fargo Bank NA 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, Wells Fargo Bank NA reported 269 applications and 121 originations for 2024, $48m in all.
Its denial rate in the state was 34.6%, above the Montana rate of 20.9% across all lenders and compared with the lender's national rate of 31.7%.
The median rate spread on its Montana originations was 0.1 percentage points (state median 0.3).
Applications in the state were down 20% on 2023.
Compared with the state and the lender's national record
| Measure | In Montana | Montana, all lenders | Wells Fargo Bank NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 34.6% | 20.9% | 31.7% | 24.3% |
| Median rate spread, pp | 0.1 | 0.3 | -0.0 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.0% | 13.8% | 2.2% | 15.6% |
| Average originated loan | $398k | $348k | $1.0m | $329k |
| Home purchase share | 61.2% | 54.8% | 66.4% | 57.0% |
| FHA-insured share | 0.0% | 10.4% | 2.3% | 13.4% |
| VA-guaranteed share | 3.3% | 11.1% | 2.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMontana, all lenders
Loan purpose and loan type in Montana
By purpose
Home purchase 61% (74)Home improvement 2% (3)Refinancing 8% (10)Cash-out refinancing 22% (27)Other purpose 6% (7)
By type
Conventional 97% (117)VA 3% (4)
Denial reasons as coded
Share of 64 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 | 35 | 19 | $5.1m | — |
| Gallatin County | 31 | 16 | $10m | — |
| Flathead County | 29 | 12 | $7.7m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Wells Fargo Bank NA originate in Montana in 2024?
121 loans totalling $48m, from 269 applications reported for properties in Montana.
What is Wells Fargo Bank NA's denial rate in Montana?
34.6% of decided applications in Montana were denied, against 20.9% for all lenders in the state and 31.7% 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 Wells Fargo Bank NA lend in most?
By originations: Yellowstone County (19), Gallatin County (16), Flathead County (12).
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.