Applications / Mortgage Analytics / Lenders / Montana / Madison Valley Bank
Ennis, MT · State non-member bank · FDIC · 28 loans in 2025
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28
loans originated, 2025
39
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Madison Valley Bank is a small Montana bank that lends mostly to refinance existing homes, and more than a third of its loans in 2025 were on manufactured homes.
Refinances made up 71.4% of its loans and purchases 21.4%. Manufactured homes accounted for 35.7% of its lending, against 2.2% at the typical similar lender, here meaning state non-member banks making between half and twice as many loans. That is a higher share than at almost any of them. All of its loans were conventional, with no government-backed lending.
The bank made 28 loans in 2025, down from 32 in 2024, its first year of reporting. The typical similar lender made 40, and the whole market grew 10%. On numbers this small, a change of four loans says little about direction.
About half its borrowers, 52.0%, had low or moderate incomes (LMI), against 25.0% at the typical similar lender. None of its loans were in LMI neighborhoods, against 18.8% at peers. The two fit together if it lends in rural counties with few tracts classed as low-income, where many households still earn modest incomes. With 28 loans, either share could swing on a handful of borrowers.
Its loans are spread over six counties in two states, mainly Montana. In Helena it ranked 47 of 168 lenders, with 0.3% of lending. Glacier Bank and Stockman Bank of Montana sit among the leaders in each Montana market it serves.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Madison Valley Bank took 39 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 71.4% · Purchase 21.4% · Other 7.1%
Conventional 100.0% · of 28 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 | 27 | 96.4% |
| Idaho | 1 | 3.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Helena | 12 |
| Bozeman | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490035B529HXNJPT77 | 2024–2025 |
Established 21 June 1965. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Madison Valley Bank's data.
Madison Valley Bank's data
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Madison 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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