Lender in Montana · HMDA 2025
U.S. Bank, N.A. mortgages in Montana
U.S. Bank, N.A.'s 2025 home-purchase and refinance lending in Montana, compared with all lenders in the state.
U.S. Bank, N.A. originated 227 owner-occupied single-family loans in Montana from 261 completed applications, making it the state's #13 lender by volume.
Its median conventional purchase loan costs were $5,170 versus $6,560 for all Montana lenders, at a median 30-year fixed rate of 6.50% (Montana: 6.625%).
Loans in MT
227
of 261 applications
Denial rate
10.1%
Purchase · MT 7.7%
Rate spread
+0.02 pts
Conv. · MT +0.15 pts
Loan amount
$445,000
Purchase · MT $365,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 198 | 174 | 10.1% | 6.500% | +0.02 pts | $5,170 | $445,000 |
| Refinance | 26 | 25 | 3.9% | — | −0.07 pts | $4,100 | $435,000 |
| Cash-out refinance | 37 | 28 | 18.9% | 6.875% | +0.40 pts | $3,670 | $265,000 |
*Conventional loans only; medians with at least 20 loans.
Montana counties where U.S. Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Custer County | 6 | 5 | 3.6% |
| Gallatin County | 7 | 56 | 3.9% |
| Phillips County | 7 | 2 | 6.5% |
| Dawson County | 8 | 3 | 4.0% |
| Lewis and Clark County | 11 | 29 | 2.8% |
| Hill County | 11 | 3 | 2.0% |
| Richland County | 11 | 2 | 1.8% |
| Ravalli County | 13 | 11 | 2.1% |
| Silver Bow County | 13 | 7 | 1.5% |
| Yellowstone County | 16 | 44 | 1.8% |
| Cascade County | 16 | 12 | 1.0% |
| Lake County | 16 | 4 | 1.5% |
| Broadwater County | 16 | 3 | 1.9% |
| Stillwater County | 16 | 3 | 2.2% |
| Madison County | 18 | 3 | 2.3% |
| Sanders County | 18 | 2 | 1.7% |
| Rosebud County | 18 | 1 | 2.6% |
| Missoula County | 19 | 13 | 1.1% |
| Flathead County | 21 | 15 | 1.0% |
| Carbon County | 21 | 2 | 1.5% |
| Deer Lodge County | 21 | 2 | 1.5% |
| Toole County | 25 | 1 | 2.5% |
- U.S. Bank, N.A. nationwide
- Montana mortgage market
- U.S. Bank, N.A. in California
- U.S. Bank, N.A. in Illinois
- U.S. Bank, N.A. in Washington
- U.S. Bank, N.A. in Minnesota
- U.S. Bank, N.A. in Ohio
- U.S. Bank, N.A. in Missouri
- U.S. Bank, N.A. in Texas
- U.S. Bank, N.A. in Wisconsin
- U.S. Bank, N.A. in Kentucky
- U.S. Bank, N.A. in Florida
- U.S. Bank, N.A. in New York
- U.S. Bank, N.A. in Connecticut
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology