Montana · HMDA 2025
Mortgage lenders in Phillips County, MT
42 lenders reported 86 home-loan applications in Phillips County in 2025. 48 closed as loans ($9.1M), 10 were denied — a 17.2% denial rate on decided applications, below the Montana rate of 18.7%. The three most active lenders handled 23% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 86
- Loans originated
- 48
- Purchase / refinance
- 32 / 10
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Phillips County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 7 | 8.1% | — |
| 2 | Independence Bank 84 out of 100, Strong | 7 | 8.1% | 9.9% |
| 3 | Rocket Mortgage, LLC | 6 | 7.0% | — |
| 4 | NEWREZ LLC | 4 | 4.7% | — |
| 5 | Mortgage Research Center, LLC | 4 | 4.7% | — |
| 6 | Stockman Bank of Montana 71 out of 100, Strong | 4 | 4.7% | 7.6% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 3 | 3.5% | — |
| 8 | AMERICAN FINANCIAL RESOURCES, INC. | 3 | 3.5% | — |
| 9 | Glacier Bank 68 out of 100, Moderate | 3 | 3.5% | 20.0% |
| 10 | KIND LENDING, LLC | 3 | 3.5% | — |
| 11 | CITY FIRST MORTGAGE SERVICES, L.L.C. | 3 | 3.5% | — |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 2 | 2.3% | 14.1% |
| 13 | GUILD MORTGAGE COMPANY | 2 | 2.3% | — |
| 14 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 2.3% | — |
| 15 | U.S. Bank National Association 55 out of 100, Moderate | 2 | 2.3% | 39.5% |
| 16 | FIGURE LENDING LLC | 2 | 2.3% | — |
| 17 | FREEDOM MORTGAGE CORPORATION | 2 | 2.3% | — |
| 18 | LAKEVIEW LOAN SERVICING, LLC | 2 | 2.3% | — |
| 19 | VILLAGE CAPITAL & INVESTMENT LLC | 2 | 2.3% | — |
| 20 | Citizens Bank, National Association 54 out of 100, Below average | 1 | 1.2% | 32.5% |
| 21 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 1 | 1.2% | 22.2% |
| 22 | Fairway Independent Mortgage Corporation | 1 | 1.2% | — |
| 23 | Loandepot.Com, LLC | 1 | 1.2% | — |
| 24 | Broker Solutions, Inc. | 1 | 1.2% | — |
| 25 | TRIAD FINANCIAL SERVICES, INC. | 1 | 1.2% | — |
| 26 | Bank of America, National Association 59 out of 100, Moderate | 1 | 1.2% | 44.7% |
| 27 | SPRING EQ, LLC | 1 | 1.2% | — |
| 28 | THE LOAN STORE, INC. | 1 | 1.2% | — |
| 29 | AMERIHOME MORTGAGE COMPANY, LLC | 1 | 1.2% | — |
| 30 | Sierra Pacific Mortgage Company, Inc. | 1 | 1.2% | — |
| 31 | MY MOVE MORTGAGE, LLC | 1 | 1.2% | — |
| 32 | Mountain America Federal Credit Union 56 out of 100, Moderate | 1 | 1.2% | 45.0% |
| 33 | FINANCE OF AMERICA REVERSE LLC | 1 | 1.2% | — |
| 34 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 1 | 1.2% | 45.9% |
| 35 | NATIONSTAR MORTGAGE LLC | 1 | 1.2% | — |
| 36 | PLAZA HOME MORTGAGE, INC. | 1 | 1.2% | — |
| 37 | Plains Commerce Bank 59 out of 100, Moderate | 1 | 1.2% | 10.0% |
| 38 | MUTUAL OF OMAHA MORTGAGE, INC. | 1 | 1.2% | — |
| 39 | WEST GATE BANK 72 out of 100, Strong | 1 | 1.2% | 4.8% |
| 40 | First Interstate Bank 62 out of 100, Moderate | 1 | 1.2% | 29.4% |
Top 40 of 42 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Montana
- Yellowstone County 7,292 apps
- Gallatin County 4,670 apps
- Flathead County 4,664 apps
- Missoula County 4,001 apps
- Cascade County 3,584 apps
- Lewis and Clark County 3,181 apps
- Ravalli County 1,649 apps
- Silver Bow County 1,444 apps
- Lake County 1,019 apps
- Lincoln County 864 apps
- Park County 709 apps
- Jefferson County 627 apps