American Heritage Lending in Montana vs the state
11.8%Denial rate-3.06 pts vs state
18.2%Decision denial rate-0.52 pts vs state
29.4%Origination rate-32.57 pts vs state
7.88%Median rate+1.25 pts vs state
2.62Rate spread (pts)+2.38 pts vs state
$178kMedian applicant income
5Loans originated
2Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 8 | 6 | 0.0% | 7.88% | #182 |
| 2025 | 17 | 5 | 11.8% | 7.88% | #148 |
What American Heritage Lending lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Missoula County | 5 | 0 | 1 | 20.0% |
| Ravalli County | 5 | 2 | 0 | 0.0% |
| Lake County | 1 | 1 | 0 | 0.0% |
| Yellowstone County | 1 | 0 | 0 | 0.0% |
| Silver Bow County | 1 | 0 | 1 | 100.0% |
| Madison County | 1 | 0 | 0 | 0.0% |
| Toole County | 1 | 1 | 0 | 0.0% |
| Lewis and Clark County | 1 | 1 | 0 | 0.0% |
| Flathead 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: 17 applications in 2025, of which 5 were originated and 2 denied.
11.8% of all applications, or 18.2% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans American Heritage Lending originated in Montana in 2025 was 7.88%, against a statewide median of 6.63%.
About this data. Figures are American Heritage Lending'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