Bank of America in Montana vs the state
27.1%Denial rate+12.30 pts vs state
41.5%Decision denial rate+22.80 pts vs state
37.6%Origination rate-24.40 pts vs state
6.00%Median rate-0.63 pts vs state
-0.01Rate spread (pts)-0.25 pts vs state
$151kMedian applicant income
115Loans originated
83Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 303 | 112 | 43.6% | 6.74% | #20 |
| 2024 | 209 | 84 | 33.5% | 6.99% | #41 |
| 2025 | 306 | 115 | 27.1% | 6.00% | #25 |
What Bank of America lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gallatin County | 63 | 28 | 14 | 22.2% |
| Missoula County | 43 | 18 | 8 | 18.6% |
| Flathead County | 43 | 18 | 13 | 30.2% |
| Yellowstone County | 39 | 13 | 13 | 33.3% |
| Ravalli County | 16 | 6 | 3 | 18.8% |
| Cascade County | 15 | 4 | 6 | 40.0% |
| Madison County | 14 | 6 | 2 | 14.3% |
| Lake County | 9 | 6 | 1 | 11.1% |
| Lewis and Clark County | 9 | 2 | 4 | 44.4% |
| Lincoln County | 7 | 1 | 2 | 28.6% |
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: 306 applications in 2025, of which 115 were originated and 83 denied.
27.1% of all applications, or 41.5% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Bank of America originated in Montana in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Bank of America'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