Better Mortgage in Montana vs the state
37.2%Denial rate+22.34 pts vs state
55.0%Decision denial rate+36.30 pts vs state
29.1%Origination rate-32.93 pts vs state
8.38%Median rate+1.75 pts vs state
1.41Rate spread (pts)+1.17 pts vs state
$144kMedian applicant income
43Loans originated
55Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 15 | 6.5% | 6.50% | #93 |
| 2024 | 51 | 19 | 15.7% | 6.63% | #85 |
| 2025 | 148 | 43 | 37.2% | 8.38% | #52 |
What Better Mortgage lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Better Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Missoula County | 27 | 8 | 10 | 37.0% |
| Gallatin County | 24 | 7 | 5 | 20.8% |
| Flathead County | 14 | 6 | 6 | 42.9% |
| Yellowstone County | 14 | 4 | 6 | 42.9% |
| Cascade County | 13 | 1 | 4 | 30.8% |
| Ravalli County | 9 | 4 | 1 | 11.1% |
| Lewis and Clark County | 8 | 4 | 2 | 25.0% |
| Park County | 5 | 1 | 1 | 20.0% |
| Deer Lodge County | 3 | 2 | 1 | 33.3% |
| Silver Bow County | 3 | 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: 148 applications in 2025, of which 43 were originated and 55 denied.
37.2% of all applications, or 55.0% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Better Mortgage originated in Montana in 2025 was 8.38%, against a statewide median of 6.63%.
About this data. Figures are Better 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