Commerce Home Mortgage in Montana vs the state
23.3%Denial rate+8.51 pts vs state
33.3%Decision denial rate+14.63 pts vs state
43.3%Origination rate-18.65 pts vs state
8.25%Median rate+1.63 pts vs state
1.89Rate spread (pts)+1.65 pts vs state
$175kMedian applicant income
13Loans originated
7Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 10 | 6.7% | 8.38% | #132 |
| 2024 | 12 | 7 | 8.3% | 9.00% | #159 |
| 2025 | 30 | 13 | 23.3% | 8.25% | #121 |
What Commerce Home Mortgage lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Commerce Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Flathead County | 12 | 6 | 1 | 8.3% |
| Gallatin County | 7 | 1 | 3 | 42.9% |
| Yellowstone County | 3 | 1 | 0 | 0.0% |
| Silver Bow County | 3 | 2 | 1 | 33.3% |
| Ravalli County | 1 | 1 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Beaverhead County | 1 | 0 | 1 | 100.0% |
| Carbon County | 1 | 0 | 1 | 100.0% |
| Lake 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: 30 applications in 2025, of which 13 were originated and 7 denied.
23.3% of all applications, or 33.3% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Commerce Home Mortgage originated in Montana in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Commerce Home 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