American Pacific Mortgage in Montana vs the state
14.3%Denial rate-0.53 pts vs state
16.4%Decision denial rate-2.31 pts vs state
72.9%Origination rate+10.88 pts vs state
6.88%Median rate+0.25 pts vs state
0.49Rate spread (pts)+0.25 pts vs state
$154kMedian applicant income
51Loans originated
10Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 109 | 81 | 4.6% | 7.13% | #50 |
| 2024 | 71 | 58 | 2.8% | 6.88% | #70 |
| 2025 | 70 | 51 | 14.3% | 6.88% | #77 |
What American Pacific Mortgage lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gallatin County | 39 | 27 | 7 | 17.9% |
| Park County | 7 | 5 | 1 | 14.3% |
| Flathead County | 5 | 4 | 0 | 0.0% |
| Yellowstone County | 4 | 2 | 1 | 25.0% |
| Madison County | 3 | 3 | 0 | 0.0% |
| Cascade County | 3 | 2 | 0 | 0.0% |
| Missoula County | 2 | 2 | 0 | 0.0% |
| Broadwater County | 2 | 1 | 1 | 50.0% |
| Musselshell County | 1 | 1 | 0 | 0.0% |
| Lewis and Clark 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: 70 applications in 2025, of which 51 were originated and 10 denied.
14.3% of all applications, or 16.4% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans American Pacific Mortgage originated in Montana in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are American Pacific 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