DSCR Loans in Gallatin County, Montana
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 71 lenders made 237 investment-property loans in Gallatin County, 15.8% of Montana's total. Dominick Prevete arranges DSCR loans across Gallatin County, Montana, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $455,000.
Gallatin County investor market at a glance
| Statistic | Gallatin County | Montana | County rank |
|---|---|---|---|
| Investor loans | 237 | 1,497 | 2nd of 5 |
| Reporting lenders | 71 | 199 | 1st of 5 |
| Loan volume | $137.8M | $626.6M | 1st of 5 |
| Average loan | $581K | $419K | 2nd of 5 |
| Median loan | $395K | $265K | 1st of 5 |
| Purchases | 65.8% | 63.4% | 2nd of 5 |
| Cash-out refinances | 13.1% | 12.8% | 1st of 5 |
| 2–4 unit properties | 13.5% | 20.4% | 4th of 5 |
| Top five lenders' share | 37.1% | 34.6% | 4th of 5 |
| Reported business-purpose | 68.8% | 66.9% | 3rd of 5 |
Gallatin County: closed-end loans on 1–4 unit investment properties. Gallatin County's rank is highest first, among Montana's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Gallatin County's investor loans.
What stands out in Gallatin County
The median investor loan in Gallatin County was $395K, the highest median of Montana's 5 counties with published data (statewide: $265K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
13.1% of Gallatin County's investor loans were cash-out refinances, the highest share of Montana's 5 counties with published data (statewide: 12.8%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Does a DSCR loan pencil in Gallatin County?
At HUD's fair market rent of $2,920 for a 3-bedroom in Gallatin County, Montana, a rental covers its full DSCR payment up to a purchase price of about $455,000, with 20% down at the 7.25% starting rate (November 2026). Gallatin County's median home value is $667,600; at that price the payment is $4,249 a month, so the property would need $4,250 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $2,109 / $2,920 / $3,487 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $667,600 |
| Median property taxes and effective rate | $3,933 (0.59% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $4,249 |
| Rent needed to cover that payment | $4,250 |
| Coverage of a 3-bedroom at fair market rent | 0.69 |
| Highest price a 3-bedroom at fair market rent covers | about $455,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Gallatin County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Gallatin County?
The most active investment-property lenders in Gallatin County in 2025 HMDA data were Glacier Bank; Stockman Bank of Montana; and GUARANTEED RATE, INC., out of 71 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders and matches each file to the one most likely to fund it.
Gallatin County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 237 loans and $137.8M from 71 lenders. Glacier Bank led Gallatin County with 23 loans, 9.7% of the county's total, and the average Gallatin County loan of $581K compares with $419K across Montana.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Glacier Bank | 23 | $14.7M | $637K | 87.0% |
| Stockman Bank of Montana | 22 | $7.6M | $345K | 54.5% |
| GUARANTEED RATE, INC. | 21 | $10.2M | $486K | 57.1% |
| CORNERSTONE CAPITAL BANK, SSB | 12 | $6.3M | $523K | 83.3% |
| Manhattan Bank | 10 | $3.5M | $346K | 80.0% |
| The Yellowstone Bank | 9 | $5.9M | $652K | 66.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | $3.7M | $409K | 55.6% |
| Opportunity Bank of Montana | 8 | $7.1M | $889K | 100.0% |
| GoPrime Mortgage, Inc. | 7 | $5.0M | $719K | 42.9% |
| Rocket Mortgage, LLC | 7 | $2.1M | $298K | 42.9% |
| THE LOAN STORE, INC. | 6 | $2.6M | $435K | 66.7% |
| GUILD MORTGAGE COMPANY | 5 | $2.0M | $393K | 80.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | $2.6M | $660K | 50.0% |
| CALCON MUTUAL MORTGAGE LLC | 4 | $2.6M | $650K | 25.0% |
| First Interstate Bank | 4 | $1.9M | $470K | 50.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | $1.5M | $370K | 50.0% |
| Axos Bank | 3 | $8.1M | $2712K | 66.7% |
| Bank of America, National Association | 3 | $6.0M | $2005K | 66.7% |
| JPMorgan Chase Bank, National Association | 3 | $3.8M | $1252K | 66.7% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 3 | $2.0M | $678K | 100.0% |
| United Wholesale Mortgage | 3 | $1.5M | $488K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 3 | $1.2M | $408K | 100.0% |
| U.S. Bank National Association | 3 | $1.2M | $385K | 0.0% |
| LITTLE HORN STATE BANK | 2 | $1.6M | $810K | 100.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | $1.6M | $810K | 50.0% |
15 Montana loans (1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Gallatin County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Gallatin County CSV, all 25 lenders
What Gallatin County's table can't show you: fit. Short-term financing is exempt from HMDA, so Gallatin County's fix-and-flip and bridge lenders barely appear among its 71 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Gallatin County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Gallatin County |
|---|---|---|---|
| Cascade County, MT | 138 | 41 | About 125 miles away |
| Yellowstone County, MT | 266 | 47 | About 140 miles away |
| Bonneville County, ID | 171 | 53 | About 150 miles away |
| Missoula County, MT | 134 | 48 | About 165 miles away |
Run the coverage test on your Gallatin County, Montana deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Gallatin County, Montana property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Gallatin County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 71 lenders and 237 loans: 2025 HMDA loan-level data rolled up to Gallatin County.
- Gallatin County investor-lender dataset (CSV) — All 25 lenders in the Gallatin County, Montana table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Gallatin County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Bozeman, MT MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Gallatin County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.