Mortgage lenders in Madison County
333 mortgages were made in Madison County, Montana, in 2025, by 135 lenders. The median rate their borrowers got was 6.625% on a median loan of $395,000. Of 426 decisions, 80 were denials — 18.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Stockman Bank of Montana | 24 | 6.875% | $280,000 | 7.4% |
| Glacier Bank | 22 | 7.250% | $355,000 | 29.0% |
| Opportunity Bank of Montana | 21 | 7.000% | $115,000 | 25.0% |
| Rocket Mortgage, LLC | 20 | 7.058% | $330,000 | 28.6% |
| First Interstate Bank | 17 | 8.000% | $195,000 | 22.7% |
| JPMorgan Chase Bank, National Association | 15 | 6.125% | $2,105,000 | 5.6% |
| Madison Valley Bank | 13 | Not published | $235,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 10 | 6.875% | $370,000 | 0.0% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 28.6% |
| CORNERSTONE CAPITAL BANK, SSB | 8 | Under 10 loans | Under 10 loans | 11.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Morgan Stanley Private Bank, National Association | 6 | Under 10 loans | Under 10 loans | 22.2% |
| PENNYMAC LOAN SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Loandepot.Com, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 5 | Under 10 loans | Under 10 loans | 14.3% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Bank of Commerce | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIGURE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mountain America Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manhattan Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900UFC85SQD8XYU52 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AgWest Farm Credit, FLCA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Northern Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ascent Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Freedom Northwest Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SaviBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Altana Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICHOICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Amarillo National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Choice Financial Group | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sovereign Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VALLEY FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northern Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Busey Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KS StateBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Customers Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500CBWD5B079K2C86 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Johnson Financial Group | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Commonwealth Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GENEVA FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| USALLIANCE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| TrailWest Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| TOP FLITE FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ZILLOW HOME LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FBC MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICA FIRST Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FUNDLOANS CAPITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Bison State Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| SECURITYNATIONAL MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Park State Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KeyBank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Webster Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Madison County
4 FDIC-insured branches from 3 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Opportunity Bank of Montana | 2 | $110.7 million |
| Madison Valley Bank | 1 | $147.4 million |
| First Interstate Bank | 1 | $46.1 million |
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When the next year’s lending figures are out for Madison County, or a lender arrives or leaves.
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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.