Champions Funding in Montana vs the state
22.9%Denial rate+8.04 pts vs state
28.6%Decision denial rate+9.87 pts vs state
57.1%Origination rate-4.84 pts vs state
8.88%Median rate+2.25 pts vs state
3.10Rate spread (pts)+2.86 pts vs state
$169kMedian applicant income
20Loans originated
8Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 11 | 2 | 18.2% | 8.88% | #167 |
| 2025 | 35 | 20 | 22.9% | 8.88% | #113 |
What Champions Funding lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Champions Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Flathead County | 11 | 9 | 1 | 9.1% |
| Yellowstone County | 8 | 5 | 1 | 12.5% |
| Missoula County | 4 | 4 | 0 | 0.0% |
| Gallatin County | 3 | 0 | 1 | 33.3% |
| Lake County | 3 | 1 | 1 | 33.3% |
| Cascade County | 1 | 1 | 0 | 0.0% |
| Sanders County | 1 | 0 | 1 | 100.0% |
| Musselshell County | 1 | 0 | 0 | 0.0% |
| Granite County | 1 | 0 | 1 | 100.0% |
| Madison County | 1 | 0 | 1 | 100.0% |
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: 35 applications in 2025, of which 20 were originated and 8 denied.
22.9% 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 Champions Funding originated in Montana in 2025 was 8.88%, against a statewide median of 6.63%.
About this data. Figures are Champions Funding'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