Calcon Mutual Mortgage in Montana vs the state
8.2%Denial rate-6.64 pts vs state
9.6%Decision denial rate-9.07 pts vs state
76.4%Origination rate+14.38 pts vs state
5.99%Median rate-0.63 pts vs state
0.08Rate spread (pts)-0.16 pts vs state
$117kMedian applicant income
168Loans originated
18Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 87 | 57 | 2.3% | 7.13% | #63 |
| 2024 | 137 | 91 | 8.0% | 6.63% | #52 |
| 2025 | 220 | 168 | 8.2% | 5.99% | #46 |
What Calcon Mutual Mortgage lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Calcon Mutual Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Flathead County | 62 | 52 | 3 | 4.8% |
| Yellowstone County | 53 | 44 | 2 | 3.8% |
| Gallatin County | 40 | 22 | 7 | 17.5% |
| Lewis and Clark County | 9 | 8 | 0 | 0.0% |
| Jefferson County | 7 | 6 | 1 | 14.3% |
| Silver Bow County | 6 | 5 | 0 | 0.0% |
| Lincoln County | 5 | 5 | 0 | 0.0% |
| Deer Lodge County | 5 | 5 | 0 | 0.0% |
| Park County | 4 | 2 | 0 | 0.0% |
| Broadwater County | 4 | 1 | 1 | 25.0% |
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: 220 applications in 2025, of which 168 were originated and 18 denied.
8.2% of all applications, or 9.6% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Calcon Mutual Mortgage originated in Montana in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Calcon Mutual 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