Discover Bank in Montana vs the state
52.2%Denial rate+37.34 pts vs state
75.6%Decision denial rate+56.93 pts vs state
16.0%Origination rate-46.03 pts vs state
8.43%Median rate+1.80 pts vs state
1.83Rate spread (pts)+1.59 pts vs state
$96kMedian applicant income
37Loans originated
121Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 713 | 91 | 44.2% | 8.74% | #8 |
| 2024 | 757 | 121 | 50.5% | 8.73% | #11 |
| 2025 | 232 | 37 | 52.2% | 8.43% | #43 |
What Discover Bank lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yellowstone County | 42 | 4 | 29 | 69.0% |
| Lewis and Clark County | 32 | 10 | 16 | 50.0% |
| Missoula County | 22 | 4 | 12 | 54.5% |
| Flathead County | 21 | 3 | 12 | 57.1% |
| Gallatin County | 18 | 2 | 11 | 61.1% |
| Ravalli County | 15 | 2 | 6 | 40.0% |
| Lake County | 15 | 2 | 10 | 66.7% |
| Cascade County | 13 | 2 | 3 | 23.1% |
| Park County | 9 | 0 | 6 | 66.7% |
| Jefferson County | 5 | 1 | 2 | 40.0% |
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: 232 applications in 2025, of which 37 were originated and 121 denied.
52.2% of all applications, or 75.6% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Discover Bank originated in Montana in 2025 was 8.43%, against a statewide median of 6.63%.
About this data. Figures are Discover 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