21st Mortgage in Montana vs the state
48.3%Denial rate+33.47 pts vs state
71.4%Decision denial rate+52.68 pts vs state
18.9%Origination rate-43.07 pts vs state
10.30%Median rate+3.68 pts vs state
4.61Rate spread (pts)+4.37 pts vs state
$72kMedian applicant income
83Loans originated
212Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 489 | 88 | 51.1% | 9.80% | #13 |
| 2024 | 450 | 89 | 50.9% | 9.86% | #18 |
| 2025 | 439 | 83 | 48.3% | 10.30% | #20 |
What 21st Mortgage lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yellowstone County | 136 | 31 | 62 | 45.6% |
| Flathead County | 86 | 6 | 48 | 55.8% |
| Missoula County | 50 | 8 | 22 | 44.0% |
| Gallatin County | 29 | 5 | 12 | 41.4% |
| Lewis and Clark County | 27 | 10 | 10 | 37.0% |
| Cascade County | 25 | 5 | 18 | 72.0% |
| Ravalli County | 9 | 3 | 1 | 11.1% |
| Carbon County | 8 | 2 | 4 | 50.0% |
| Lincoln County | 7 | 1 | 4 | 57.1% |
| Big Horn County | 7 | 1 | 6 | 85.7% |
Other large lenders in Montana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Glacier Bank | D | 3,018 | 16.2% | 7.25% |
| Stockman Bank of Montana | B | 2,911 | 6.3% | 6.88% |
| Rocket Mortgage | C | 1,999 | 17.5% | 6.75% |
| United Shore Financial Services | B | 1,857 | 9.2% | 6.25% |
| Opportunity Bank of Montana | B | 1,608 | 9.8% | 6.88% |
| Evergreen Moneysource Mortgage | B | 1,158 | 1.1% | 6.25% |
| U.S. Bank | D | 1,024 | 27.1% | 7.13% |
| First Interstate Bank | D | 987 | 22.9% | 8.25% |
| Mortgage Research Center | C | 940 | 16.7% | 6.13% |
| Crosscountry Mortgage | B | 920 | 5.1% | 6.63% |
Frequently asked questions
Montana: 439 applications in 2025, of which 83 were originated and 212 denied.
48.3% of all applications, or 71.4% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans 21st Mortgage originated in Montana in 2025 was 10.30%, against a statewide median of 6.63%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Montana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology