American Financing in Montana vs the state
36.2%Denial rate+21.35 pts vs state
51.0%Decision denial rate+32.30 pts vs state
31.2%Origination rate-30.77 pts vs state
5.99%Median rate-0.63 pts vs state
0.04Rate spread (pts)-0.20 pts vs state
$101kMedian applicant income
44Loans originated
51Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 59 | 17 | 39.0% | 6.63% | #72 |
| 2024 | 116 | 31 | 49.1% | 5.88% | #58 |
| 2025 | 141 | 44 | 36.2% | 5.99% | #54 |
What American Financing lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yellowstone County | 27 | 8 | 10 | 37.0% |
| Cascade County | 14 | 4 | 4 | 28.6% |
| Lewis and Clark County | 14 | 7 | 2 | 14.3% |
| Flathead County | 13 | 2 | 6 | 46.2% |
| Gallatin County | 10 | 4 | 3 | 30.0% |
| Missoula County | 6 | 1 | 4 | 66.7% |
| Lake County | 6 | 0 | 3 | 50.0% |
| Stillwater County | 5 | 2 | 2 | 40.0% |
| Jefferson County | 5 | 1 | 2 | 40.0% |
| Carbon County | 4 | 1 | 1 | 25.0% |
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: 141 applications in 2025, of which 44 were originated and 51 denied.
36.2% of all applications, or 51.0% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans American Financing originated in Montana in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are American Financing'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