Mortgage lenders in Gallatin County
2,618 mortgages were made in Gallatin County, Montana, in 2025, by 273 lenders. The median rate their borrowers got was 6.750% on a median loan of $420,000. Of 3,269 decisions, 553 were denials — 16.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Stockman Bank of Montana | 260 | 6.950% | $305,000 | 9.7% |
| Glacier Bank | 220 | 7.250% | $345,000 | 20.6% |
| GUARANTEED RATE, INC. | 210 | 6.600% | $530,000 | 4.5% |
| CORNERSTONE CAPITAL BANK, SSB | 148 | 6.625% | $475,000 | 1.3% |
| Rocket Mortgage, LLC | 137 | 6.875% | $305,000 | 20.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 116 | 6.372% | $535,000 | 12.6% |
| U.S. Bank National Association | 105 | 6.875% | $425,000 | 26.7% |
| Opportunity Bank of Montana | 76 | 7.000% | $310,000 | 17.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 73 | 6.500% | $435,000 | 10.8% |
| GoPrime Mortgage, Inc. | 63 | 6.624% | $475,000 | 1.6% |
| First Interstate Bank | 58 | 8.250% | $105,000 | 33.3% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 56 | 6.438% | $405,000 | 1.7% |
| GUILD MORTGAGE COMPANY | 53 | 6.625% | $415,000 | 3.3% |
| PENNYMAC LOAN SERVICES, LLC | 50 | 7.188% | $350,000 | 13.6% |
| JPMorgan Chase Bank, National Association | 40 | 6.375% | $825,000 | 12.5% |
| THE LOAN STORE, INC. | 34 | 6.375% | $450,000 | 0.0% |
| Manhattan Bank | 29 | Not published | $285,000 | 0.0% |
| Bank of America, National Association | 28 | 5.990% | $355,000 | 32.6% |
| NATIONSTAR MORTGAGE LLC | 28 | 8.188% | $185,000 | 3.3% |
| KIND LENDING, LLC | 28 | 6.625% | $510,000 | 22.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 27 | 6.875% | $535,000 | 20.6% |
| NEWREZ LLC | 26 | 6.125% | $490,000 | 27.8% |
| UNION HOME MORTGAGE CORP. | 26 | 6.875% | $585,000 | 3.6% |
| Wells Fargo Bank, National Association | 24 | 6.375% | $490,000 | 25.0% |
| CALCON MUTUAL MORTGAGE LLC | 22 | 6.500% | $450,000 | 24.1% |
| The Yellowstone Bank | 20 | Not published | $325,000 | 9.1% |
| Flanagan State Bank | 19 | 7.000% | $565,000 | 0.0% |
| Mortgage Research Center, LLC | 17 | 5.990% | $575,000 | 26.1% |
| FIGURE LENDING LLC | 16 | 8.063% | $110,000 | 23.1% |
| VALLEY FINANCIAL CREDIT UNION | 16 | 7.375% | $245,000 | 15.8% |
| Loandepot.Com, LLC | 15 | 7.375% | $255,000 | 40.0% |
| Cornerstone First Mortgage, Inc | 15 | 6.250% | $455,000 | 6.3% |
| CMG MORTGAGE, INC. | 14 | 7.125% | $500,000 | 16.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 6.250% | $560,000 | 6.7% |
| FREEDOM MORTGAGE CORPORATION | 13 | 6.250% | $465,000 | 28.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 13 | 5.995% | $465,000 | 12.5% |
| Rocky Mountain Credit Union | 13 | Not published | $145,000 | 27.8% |
| Prosperity Home Mortgage, LLC | 12 | 6.938% | $620,000 | 7.7% |
| LAKEVIEW LOAN SERVICING, LLC | 11 | 6.875% | $295,000 | 35.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 11 | 6.625% | $485,000 | 14.3% |
| Morgan Stanley Private Bank, National Association | 11 | 5.875% | $1,455,000 | 21.4% |
| SOFI BANK, NATIONAL ASSOCIATION | 10 | 6.490% | $250,000 | 9.1% |
| CANOPY MORTGAGE, LLC | 10 | 6.875% | $655,000 | 0.0% |
| SPRING EQ, LLC | 9 | Under 10 loans | Under 10 loans | 55.6% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Renasant Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 50.0% |
| Horizon Federally Insured State-Chartered Credit Union | 8 | Under 10 loans | Under 10 loans | 42.9% |
| MOVEMENT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Stifel Bank and Trust | 8 | Under 10 loans | Under 10 loans | 11.1% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Paramount Residential Mortgage Group, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 53.8% |
| Altana Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| UBS Bank USA | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Intrepid Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 70.6% |
| Mountain America Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 40.0% |
| CLEARWATER Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 44.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Plains Commerce Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AmeriSave Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ML Mortgage Corp. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LITTLE HORN STATE BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AgWest Farm Credit, FLCA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Bridger, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 84.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TrailWest Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Servion, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Alliance Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Independence Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| IDAHO CENTRAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Montana Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COLLIERS MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WEST GATE BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Montana Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gulf Coast Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELEM SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Washington Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MEGASTAR FINANCIAL CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CIBC Bank USA | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Libertyville Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Madison Valley Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baker-Boyer National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mabrey Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nicolet National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOS ANGELES POLICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Badger Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Benchmark Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bridgewater Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BankVista | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Riverview Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 73 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Gallatin County
41 FDIC-insured branches from 16 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Glacier Bank | 9 | $1.8 billion |
| Stockman Bank of Montana | 5 | $690.0 million |
| First Interstate Bank | 4 | $689.8 million |
| Manhattan Bank | 4 | $252.7 million |
| American Bank | 3 | $341.0 million |
| Opportunity Bank of Montana | 3 | $248.8 million |
| Wells Fargo Bank, National Association | 2 | $530.0 million |
| U.S. Bank National Association | 2 | $331.2 million |
| Madison Valley Bank | 2 | $35.8 million |
| Bank of Bozeman | 1 | $96.4 million |
| The Yellowstone Bank | 1 | $71.5 million |
| JPMorgan Chase Bank, National Association | 1 | $63.1 million |
| First Western Trust Bank | 1 | $22.8 million |
| First Montana Bank, Inc. | 1 | $19.2 million |
| Bank of The Rockies | 1 | $7.3 million |
| Flanagan State Bank | 1 | $5.4 million |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.