Applications / Mortgage Analytics / Lenders / Montana / The Yellowstone Bank
Laurel, MT · State member bank · FRS · $1.4 billion assets · 209 loans in 2025
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209
loans originated, 2025
284
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Yellowstone Bank grew its lending by nearly a third and took share in Billings, its home market since 1990, where it now ranks sixth.
Its loans rose 31% to 209, faster than more than four in five similar lenders (state member banks making between half and twice as many loans), whose typical growth was 7%. The whole market grew 10%. The rebound follows a steep fall from 630 loans in 2020 to 147 in 2023.
In Billings its share rose from 3.2% to 4.5%, ranking it 6 of 201 lenders, behind Stockman Bank of Montana and Evergreen Moneysource Mortgage Company. In Bozeman its share fell from 1.1% to 0.5%. One possibility is that it put its growth where it is already strong; Bozeman is a newer market for it, entered in 2000.
Its typical loan was $295,000, larger than at more than four in five similar lenders, where it was $175,000. Unlike most of its peers it makes some government-backed loans: 6.2% were insured by the Federal Housing Administration (FHA) and 1.9% guaranteed by the Department of Veterans Affairs (VA). Home purchases made up 65.1% of its lending.
It denied 4.0% of home-purchase applications, against 7.5% at similar lenders, lower than about seven in ten of them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Yellowstone Bank took 284 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.1% · Refinance 34.0% · Home improvement 1.0%
Conventional 91.4% · FHA 6.2% · VA 1.9% · USDA (RHS or FSA) 0.5% · of 209 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 | 190 | 90.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Billings | 170 |
| Bozeman | 20 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L4GPVDZEPUZC05 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 680457 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2680457 | 1990–2017 |
Established 26 May 1926. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Yellowstone Bank's data.
The Yellowstone Bank's data
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The Yellowstone 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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