A&D Mortgage in Montana vs the state
16.7%Denial rate+1.85 pts vs state
25.0%Decision denial rate+6.30 pts vs state
50.0%Origination rate-11.98 pts vs state
6.56%Median rate-0.06 pts vs state
0.23Rate spread (pts)-0.01 pts vs state
$104kMedian applicant income
12Loans originated
4Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 9 | 4 | 22.2% | 7.99% | #176 |
| 2025 | 24 | 12 | 16.7% | 6.56% | #129 |
What A&D Mortgage lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cascade County | 7 | 2 | 1 | 14.3% |
| Yellowstone County | 3 | 1 | 2 | 66.7% |
| Missoula County | 3 | 1 | 1 | 33.3% |
| Lincoln County | 2 | 1 | 0 | 0.0% |
| Gallatin County | 2 | 2 | 0 | 0.0% |
| Ravalli County | 2 | 1 | 0 | 0.0% |
| Flathead County | 1 | 1 | 0 | 0.0% |
| Lewis and Clark County | 1 | 1 | 0 | 0.0% |
| Lake County | 1 | 1 | 0 | 0.0% |
| Big Horn County | 1 | 0 | 0 | 0.0% |
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: 24 applications in 2025, of which 12 were originated and 4 denied.
16.7% of all applications, or 25.0% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans A&D Mortgage originated in Montana in 2025 was 6.56%, against a statewide median of 6.63%.
About this data. Figures are A&D 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