Lender in Montana · HMDA 2025
Rate mortgages in Montana
Rate's 2025 home-purchase and refinance lending in Montana, compared with all lenders in the state.
Rate originated 360 owner-occupied single-family loans in Montana from 384 completed applications, making it the state's #10 lender by volume.
Its median conventional purchase loan costs were $6,420 versus $6,560 for all Montana lenders, at a median 30-year fixed rate of 6.625% (Montana: 6.625%).
Loans in MT
360
of 384 applications
Denial rate
4.2%
Purchase · MT 7.7%
Rate spread
+0.08 pts
Conv. · MT +0.15 pts
Loan amount
$455,000
Purchase · MT $365,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 310 | 297 | 4.2% | 6.625% | +0.08 pts | $6,420 | $455,000 |
| Refinance | 41 | 36 | 12.2% | 6.250% | −0.12 pts | $4,720 | $595,000 |
| Cash-out refinance | 33 | 27 | 15.2% | — | — | — | $435,000 |
*Conventional loans only; medians with at least 20 loans.
Montana counties where Rate ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Gallatin County | 1 | 159 | 11.1% |
| Park County | 6 | 9 | 4.3% |
| Carbon County | 6 | 6 | 4.4% |
| Sweet Grass County | 6 | 2 | 6.7% |
| Musselshell County | 7 | 2 | 4.3% |
| Broadwater County | 8 | 8 | 5.0% |
| Madison County | 8 | 4 | 3.0% |
| Yellowstone County | 9 | 70 | 2.8% |
| Jefferson County | 9 | 5 | 2.7% |
| Lewis and Clark County | 10 | 33 | 3.2% |
| Stillwater County | 10 | 4 | 3.0% |
| Powell County | 11 | 2 | 3.9% |
| Fallon County | 11 | 1 | 5.9% |
| Missoula County | 14 | 23 | 1.9% |
| Roosevelt County | 14 | 1 | 2.9% |
| Ravalli County | 16 | 9 | 1.7% |
| Glacier County | 16 | 1 | 2.3% |
| Pondera County | 18 | 1 | 2.1% |
| Granite County | 19 | 1 | 2.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology