American Financial Network in Montana vs the state
33.3%Denial rate+18.51 pts vs state
57.1%Decision denial rate+38.44 pts vs state
25.0%Origination rate-36.98 pts vs state
6.13%Median rate-0.50 pts vs state
0.04Rate spread (pts)-0.20 pts vs state
$156kMedian applicant income
3Loans originated
4Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 9 | 18.8% | 7.25% | #130 |
| 2024 | 12 | 7 | 0.0% | 6.63% | #160 |
| 2025 | 12 | 3 | 33.3% | 6.13% | #165 |
What American Financial Network lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most American Financial Network applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lake County | 2 | 0 | 1 | 50.0% |
| Flathead County | 2 | 0 | 0 | 0.0% |
| Gallatin County | 1 | 0 | 1 | 100.0% |
| Yellowstone County | 1 | 0 | 0 | 0.0% |
| Missoula County | 1 | 0 | 1 | 100.0% |
| Powell County | 1 | 1 | 0 | 0.0% |
| Big Horn County | 1 | 0 | 1 | 100.0% |
| Sanders County | 1 | 1 | 0 | 0.0% |
| Lincoln County | 1 | 0 | 0 | 0.0% |
| Silver Bow County | 1 | 1 | 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: 12 applications in 2025, of which 3 were originated and 4 denied.
33.3% of all applications, or 57.1% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans American Financial Network originated in Montana in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are American Financial Network'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