Applications / Mortgage Analytics / Lenders / Montana / Farmers State Bank
Victor, MT · State member bank · FRS · $774 million assets · 119 loans in 2025
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119
loans originated, 2025
135
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers State Bank, of Victor, Montana, makes bigger home-purchase loans than most similar banks, and its lending rose 13% in 2025 after four years of decline.
Its typical loan was $315,000, against $175,000 at similar lenders (state member banks making between half and twice as many loans), larger than at about six in seven of them. Home purchases made up 71.4% of its loans and refinances 21.8%.
Its 119 loans were 13% more than in 2024, against 8% at similar lenders and 10% for the whole market. The rise followed a fall from 345 loans in 2020 to 105 in 2024.
In Missoula it ranks 29 of 172 lenders, and its share rose 0.2 points to 0.7%. Glacier Bank leads. In Helena its share fell 0.2 points to 0.3%, ranking 46 of 168. With loans in only 3 counties, a handful of loans moves these shares.
Low- and moderate-income (LMI) neighborhoods took 5.0% of its loans, against 16.4% at peers, among the lowest tenth. The share was 20.0% in 2024; on 119 loans in a few counties it can swing with a handful of loans. LMI borrowers took 27.8%, near the middle.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Farmers State Bank took 135 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.4% · Refinance 21.8% · Other 4.2% · Home improvement 2.5%
Conventional 97.5% · VA 2.5% · of 119 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Montana | 20 | 16.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Missoula | 15 |
| Helena | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007BVVG2E8KCTG95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 475354 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2475354 | 2006–2017 |
Established 1 January 1907. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Farmers State Bank's data.
Farmers State Bank's data
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Farmers State Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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