Axos Bank in Montana vs the state
18.2%Denial rate+3.36 pts vs state
28.6%Decision denial rate+9.87 pts vs state
45.5%Origination rate-16.53 pts vs state
7.63%Median rate+1.00 pts vs state
4.83Rate spread (pts)+4.59 pts vs state
$128kMedian applicant income
5Loans originated
2Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 1 | 28.6% | 6.25% | #181 |
| 2024 | 7 | 2 | 14.3% | 8.69% | #189 |
| 2025 | 11 | 5 | 18.2% | 7.63% | #176 |
What Axos Bank lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Axos Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Flathead County | 4 | 2 | 1 | 25.0% |
| Gallatin County | 4 | 3 | 1 | 25.0% |
| Missoula County | 2 | 0 | 0 | 0.0% |
| Dawson 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: 11 applications in 2025, of which 5 were originated and 2 denied.
18.2% of all applications, or 28.6% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Axos Bank originated in Montana in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are Axos Bank'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