# Stockman Bank of Montana

> **Canonical URL:** https://saferate.com/lenders/stockman-bank-of-monta


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Stockman Bank of Montana is a bank, headquartered in Miles City, MT, serving borrowers across 5 states, with 1,024 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 65% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300FVJ3IB88LTR841
- **Headquarters:** Miles City, MT
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AZ, ID, MT, ND, WY
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 35/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.054%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,465
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,024
- **Dollar Volume:** $336 million
- **Applications Received:** 1,344
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $328,203
- **Average Borrower Income:** $140,095
- **Average Property Value:** $474,824

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **VA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 78/100 | 701 | +0.134% | $3,457 | Strong 😀 |
| FHA | 76/100 | 163 | +0.128% | $3,981 | Strong 😀 |
| VA | 78/100 | 135 | -0.566% | $2,776 | Strong 😀 |
| Jumbo | 65/100 | 12 | +0.476% | $4,658 | Strong 😀 |
| USDA | 74/100 | 13 | -0.314% | $2,711 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 616 loans, Score: 79/100 (Strong)
- Refinance: 85 loans, Score: 69/100 (Strong)

**FHA:**
- Purchase: 158 loans, Score: 76/100 (Strong)

**VA:**
- Purchase: 126 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 80/100 | 923 | $309M | +0.035% | Strong 😀 |
| Refinance | 70/100 | 101 | $27M | +0.212% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MT | 1,017 | 9.75% | 100/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 329 | 69/100 |
| Great Falls, MT | MT | 212 | 100/100 |
| Billings, MT | MT | 197 | 99/100 |
| Bozeman, MT | MT | 122 | 100/100 |
| Helena, MT | MT | 106 | 92/100 |
| Missoula, MT | MT | 53 | 84/100 |

## Where This Lender Ranks

Stockman Bank of Montana appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Montana for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Great Falls, MT for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/great-falls-mt/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Billings, MT for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/billings-mt/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Bozeman, MT for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/bozeman-mt/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Helena, MT
  - [View Full Rankings](https://saferate.com/helena-mt/best-mortgage-lenders)
- 🥇 **#1** in Helena, MT Banks
  - [View Full Rankings](https://saferate.com/helena-mt/best-mortgage-lenders/banks)
- 🥇 **#1** in Helena, MT for FHA Loans
  - [View Full Rankings](https://saferate.com/helena-mt/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Helena, MT for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/helena-mt/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Montana for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Great Falls, MT
  - [View Full Rankings](https://saferate.com/great-falls-mt/best-mortgage-lenders)
- 🥈 **#2** in Great Falls, MT for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/great-falls-mt/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Great Falls, MT for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/great-falls-mt/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Billings, MT Banks
  - [View Full Rankings](https://saferate.com/billings-mt/best-mortgage-lenders/banks)
- 🥈 **#2** in Billings, MT for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/billings-mt/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Bozeman, MT Banks
  - [View Full Rankings](https://saferate.com/bozeman-mt/best-mortgage-lenders/banks)
- 🥈 **#2** in Bozeman, MT for FHA Loans
  - [View Full Rankings](https://saferate.com/bozeman-mt/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Bozeman, MT for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/bozeman-mt/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Helena, MT for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/helena-mt/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Missoula, MT
  - [View Full Rankings](https://saferate.com/missoula-mt/best-mortgage-lenders)
- 🥉 **#3** in Montana Banks
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does Stockman Bank of Montana offer?

Stockman Bank of Montana offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Stockman Bank of Montana offer mortgages?

Stockman Bank of Montana offers mortgages in 5 states: AZ, ID, MT, ND, WY.

### How competitive are Stockman Bank of Montana's mortgage rates?

Stockman Bank of Montana has a pricing score of 35/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.054% above market average.

### What type of lender is Stockman Bank of Montana?

Stockman Bank of Montana is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Miles City, MT.

### What is Stockman Bank of Montana's loan approval success rate?

Stockman Bank of Montana has a pull-through score of 82/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/stockman-bank-of-monta

### How to Cite

> "Stockman Bank of Montana Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/stockman-bank-of-monta

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