Applications / Mortgage Analytics / Lenders / Montana / Ascent Bank
Helena, MT · State non-member bank · FDIC · 13 loans in 2025
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13
loans originated, 2025
15
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ascent Bank is a small Helena, Montana, bank whose mortgage lending fell to 13 loans in 2025, its second year of reporting.
The bank first reported in 2024, with 32 loans. In 2025 it made 13, fewer than at all but a handful of similar lenders (state non-member banks making between half and twice as many loans). Its peers also made fewer loans, but the typical one fell by less.
All its lending is in Montana, across three metros and six counties. Helena is its largest market, where it ranked 64 of 168 lenders; the market's leaders were Evergreen Moneysource Mortgage Company, Glacier Bank and Stockman Bank of Montana. It also lends in Great Falls and rural Montana, and entered Missoula in 2025.
With so few loans, its shares of manufactured homes, of lending to lower-income borrowers and of loans in poorer neighborhoods move sharply from year to year and are too small to read much into. Every loan was conventional.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ascent Bank took 15 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.8% · Refinance 23.1% · Home improvement 15.4% · Other 7.7%
Conventional 100.0% · of 13 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 | 13 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Helena | 6 |
| Great Falls | 3 |
| Missoula | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900GRYB79SK58O657 | 2024–2025 |
Established 13 April 1970. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Ascent Bank's data.
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