Applications / Mortgage Analytics / Lenders / Montana / Little Horn State Bank
Hardin, MT · State non-member bank · FDIC · $396 million assets · 90 loans in 2025
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90
loans originated, 2025
101
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Little Horn State Bank, a Montana bank, grew its loans by about a third in 2025 and pushed into markets well beyond its home state.
Its loans rose 32%, to 90 from 68, faster than about three-quarters of similar lenders (state non-member banks making between half and twice as many loans), whose typical growth was 9%. That is more than three times the 28 it made in 2018. It filed no report for 2020 to 2022, so those years are gaps, not empty ones.
It now lends in 5 states. In 2025 it made its first loans in Great Falls, Seattle-Tacoma-Bellevue, Bismarck and Lafayette, Louisiana. It entered non-metro Wyoming in 2024 and already ranks 52 of 314 there. In Bozeman its share rose 0.4 points.
Billings is its largest market, where it ranks 24 of 201 with 1.1% of lending, unchanged. Stockman Bank of Montana leads.
Its typical loan, $235,000, was above peers' $175,000. Borrowers with low or moderate incomes took 17.5% of its loans, down from 36.8%, lower than about three-quarters of peers. A purchase-heavy mix, 60.0% of loans, and lending in new markets are possible reasons; on 90 loans, a few loans move the share a lot.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Little Horn State Bank took 101 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.0% · Refinance 28.9% · Home improvement 6.7% · Other 4.4%
Conventional 100.0% · of 90 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 | 64 | 71.1% |
| Wyoming | 23 | 25.6% |
| Louisiana | 1 | 1.1% |
| North Dakota | 1 | 1.1% |
| Washington | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Billings | 49 |
| Bozeman | 3 |
| Bismarck | 1 |
| Everett | 1 |
| Great Falls | 1 |
| Lafayette | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900XA5WVWGS9RET72 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 537551 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311821 | 1998–2017 |
Established 1 January 1919. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Little Horn State Bank's data.
Little Horn State Bank's data
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Little Horn 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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