Applications / Mortgage Analytics / Lenders / Montana / Belt Valley Bank
Belt, MT · State member bank · FRS · $88.6 million assets · 40 loans in 2025
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40
loans originated, 2025
50
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Belt Valley Bank, a small Montana bank, lends heavily on manufactured homes, and in 2025 it grew faster than most of its peers and won a bigger share of Great Falls.
Its loans rose from 27 to 40, a jump of 48%. Similar lenders, state member banks making between half and twice as many loans, grew by 4%, and Belt Valley was faster than more than eight in ten of them. It filed no HMDA report for 2020 to 2022. Those years are gaps in the record, not years without lending.
Manufactured homes made up 30.0% of its loans, against 0.0% at similar lenders, higher than nearly all of them. Its typical loan was $145,000, against $185,000. With 40 loans, a few loans either way move these shares.
The bank has lent in Great Falls, MT since at least 1990. Its share there rose from 0.7% to 1.2%, ranking it 18 of 136 lenders. Stockman Bank of Montana leads the market.
It made 30.6% of its loans to low- and moderate-income (LMI) borrowers, against 23.5% at similar lenders. None were in majority-minority tracts, against 7.4%. Its lending is in Great Falls and non-metro Montana, where such tracts may be few.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Belt Valley Bank took 50 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.5% · Other 20.0% · Refinance 17.5% · Home improvement 10.0%
Conventional 100.0% · of 40 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 | 40 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Great Falls | 35 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JT42BMO3B8DD11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 223751 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2223751 | 1990–2017 |
Established 14 March 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Belt Valley Bank's data.
Belt Valley Bank's data
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Belt Valley 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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