Click n' Close in Montana vs the state
6.0%Denial rate-8.82 pts vs state
9.4%Decision denial rate-9.32 pts vs state
58.0%Origination rate-3.98 pts vs state
6.50%Median rate-0.13 pts vs state
3.15Rate spread (pts)+2.91 pts vs state
$103kMedian applicant income
29Loans originated
3Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 28 | 2.4% | 7.06% | #84 |
| 2024 | 46 | 26 | 2.2% | 6.69% | #89 |
| 2025 | 50 | 29 | 6.0% | 6.50% | #98 |
What Click n' Close lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yellowstone County | 12 | 8 | 0 | 0.0% |
| Glacier County | 7 | 2 | 2 | 28.6% |
| Big Horn County | 6 | 4 | 1 | 16.7% |
| Cascade County | 6 | 2 | 0 | 0.0% |
| Rosebud County | 4 | 2 | 0 | 0.0% |
| Roosevelt County | 3 | 2 | 0 | 0.0% |
| Hill County | 2 | 1 | 0 | 0.0% |
| Missoula County | 2 | 1 | 0 | 0.0% |
| Chouteau County | 2 | 2 | 0 | 0.0% |
| Jefferson County | 1 | 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: 50 applications in 2025, of which 29 were originated and 3 denied.
6.0% of all applications, or 9.4% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Click n' Close originated in Montana in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Click n' Close'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