Cornerstone Capital Bank in Montana vs the state
1.1%Denial rate-13.68 pts vs state
1.4%Decision denial rate-17.34 pts vs state
82.6%Origination rate+20.60 pts vs state
6.63%Median rate0.00 pts vs state
0.22Rate spread (pts)-0.02 pts vs state
$142kMedian applicant income
218Loans originated
3Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 264 | 194 | 3.8% | 6.63% | #23 |
| 2024 | 211 | 170 | 1.9% | 6.63% | #39 |
| 2025 | 264 | 218 | 1.1% | 6.63% | #36 |
What Cornerstone Capital Bank lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Cornerstone Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gallatin County | 173 | 148 | 2 | 1.2% |
| Yellowstone County | 23 | 19 | 0 | 0.0% |
| Broadwater County | 12 | 10 | 0 | 0.0% |
| Madison County | 11 | 8 | 1 | 9.1% |
| Park County | 10 | 8 | 0 | 0.0% |
| Lewis and Clark County | 6 | 5 | 0 | 0.0% |
| Jefferson County | 5 | 5 | 0 | 0.0% |
| Missoula County | 5 | 5 | 0 | 0.0% |
| Silver Bow County | 5 | 1 | 0 | 0.0% |
| Ravalli County | 3 | 2 | 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: 264 applications in 2025, of which 218 were originated and 3 denied.
1.1% of all applications, or 1.4% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Cornerstone Capital Bank originated in Montana in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Cornerstone Capital Bank'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