Purchase Originations
927
Ranked #401 nationally
Median Total Costs
$7,124
+6.7% vs national ($6,680)
↑ $142 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,493
Median Lender Credits
$72
Cost Rank (500+ vol.)
#376
among lenders with 500+ originations
Denial Rate
2.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 630 | 6.500% | $6,314 | $3,563 |
| fha | 157 | 5.875% | $12,162 | $3,809 |
| va | 123 | 6.125% | $8,000 | $2,870 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Montana | 923 | 6.250% | $7,127 | #1 |
| North Dakota | 2 | 6.562% | $4,832 | — |
| Wyoming | 2 | 5.938% | $4,348 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,499 | 6.375% | — | 7 | −$2,625 | |
| 2 | $5,123 | 6.500% | — | 39 | −$2,001 | |
| 3 | $5,343 | 6.688% | — | 8 | −$1,781 | |
| 4 | $5,684 | 6.000% | — | 13 | −$1,440 | |
| 5 | $6,026 | 6.500% | — | 25 | −$1,098 | |
| 6 | $6,257 | 6.500% | — | 11 | −$867 | |
| 7 | $6,390 | 6.000% | — | 21 | −$734 | |
| 8 | $6,559 | 6.625% | — | 66 | −$565 | |
| 9 | $6,671 | 6.000% | — | 10 | −$453 | |
| 10 | $7,255 | 6.250% | — | 161 | +$131 | |
| 11 | $7,512 | 6.125% | — | 17 | +$388 | |
| 12 | $7,568 | 6.250% | — | 203 | +$444 | |
| 13 | $7,634 | 6.312% | — | 28 | +$510 | |
| 14 | $8,009 | 6.250% | — | 79 | +$885 | |
| 15 | $8,042 | 6.438% | — | 18 | +$918 | |
| 16 | $8,119 | 6.375% | — | 14 | +$995 | |
| 17 | $8,831 | 6.375% | — | 12 | +$1,707 | |
| 18 | $9,298 | 6.125% | — | 13 | +$2,174 | |
| 19 | $9,346 | 6.250% | — | 101 | +$2,222 | |
| 20 | $11,968 | 6.375% | — | 7 | +$4,844 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Stockman Bank of Montana | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $7,124 | $7,127 | −$3 (−0.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.