Montana · HMDA 2025
Mortgage lenders in Valley County, MT
50 lenders reported 163 home-loan applications in Valley County in 2025. 95 closed as loans ($17.9M), 24 were denied — a 18.9% denial rate on decided applications, close to the Montana rate of 18.7%. The three most active lenders handled 36% of applications, led by Opportunity Bank of Montana. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 163
- Loans originated
- 95
- Purchase / refinance
- 55 / 30
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Valley County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Opportunity Bank of Montana 71 out of 100, Strong | 24 | 14.7% | 12.0% |
| 2 | Rocket Mortgage, LLC | 21 | 12.9% | — |
| 3 | Independence Bank 84 out of 100, Strong | 13 | 8.0% | 9.9% |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 10 | 6.1% | — |
| 5 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 7 | 4.3% | — |
| 6 | FREEDOM MORTGAGE CORPORATION | 7 | 4.3% | — |
| 7 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 3.7% | 14.1% |
| 8 | Broker Solutions, Inc. | 5 | 3.1% | — |
| 9 | CROSSCOUNTRY MORTGAGE, INC. | 5 | 3.1% | — |
| 10 | Mortgage Research Center, LLC | 5 | 3.1% | — |
| 11 | PENNYMAC LOAN SERVICES, LLC | 4 | 2.5% | — |
| 12 | U.S. Bank National Association 55 out of 100, Moderate | 4 | 2.5% | 39.5% |
| 13 | AmeriSave Mortgage Corporation | 3 | 1.8% | — |
| 14 | AMERICAN FINANCIAL RESOURCES, INC. | 3 | 1.8% | — |
| 15 | Stockman Bank of Montana 71 out of 100, Strong | 3 | 1.8% | 7.6% |
| 16 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 1.2% | 32.9% |
| 17 | NEWREZ LLC | 2 | 1.2% | — |
| 18 | AMERIHOME MORTGAGE COMPANY, LLC | 2 | 1.2% | — |
| 19 | STG MORTGAGE INC | 2 | 1.2% | — |
| 20 | Mountain America Federal Credit Union 56 out of 100, Moderate | 2 | 1.2% | 45.0% |
| 21 | Glacier Bank 68 out of 100, Moderate | 2 | 1.2% | 20.0% |
| 22 | NATIONSTAR MORTGAGE LLC | 2 | 1.2% | — |
| 23 | MUTUAL OF OMAHA MORTGAGE, INC. | 2 | 1.2% | — |
| 24 | Truist Bank 63 out of 100, Moderate | 1 | 0.6% | 40.8% |
| 25 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 1 | 0.6% | 22.2% |
| 26 | Discover Bank | 1 | 0.6% | — |
| 27 | Bank of America, National Association 59 out of 100, Moderate | 1 | 0.6% | 44.7% |
| 28 | Synergy One Lending, Inc. | 1 | 0.6% | — |
| 29 | Sierra Pacific Mortgage Company, Inc. | 1 | 0.6% | — |
| 30 | FIGURE LENDING LLC | 1 | 0.6% | — |
| 31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | 0.6% | — |
| 32 | The Federal Savings Bank 51 out of 100, Below average | 1 | 0.6% | 19.1% |
| 33 | PLANET HOME LENDING, LLC | 1 | 0.6% | — |
| 34 | Click n' Close, Inc. | 1 | 0.6% | — |
| 35 | BANKWEST, INC. 38 out of 100, Low | 1 | 0.6% | 48.6% |
| 36 | JMAC LENDING, INC. | 1 | 0.6% | — |
| 37 | SUN WEST MORTGAGE COMPANY, INC. | 1 | 0.6% | — |
| 38 | REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | 0.6% | — |
| 39 | PLAZA HOME MORTGAGE, INC. | 1 | 0.6% | — |
| 40 | LONGBRIDGE FINANCIAL, LLC | 1 | 0.6% | — |
Top 40 of 50 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