Envoy Mortgage in Montana vs the state
1.6%Denial rate-13.21 pts vs state
2.2%Decision denial rate-16.53 pts vs state
72.6%Origination rate+10.60 pts vs state
6.63%Median rate0.00 pts vs state
0.16Rate spread (pts)-0.08 pts vs state
$126kMedian applicant income
90Loans originated
2Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 71 | 49 | 9.9% | 6.75% | #68 |
| 2024 | 133 | 102 | 4.5% | 6.63% | #53 |
| 2025 | 124 | 90 | 1.6% | 6.63% | #59 |
What Envoy Mortgage lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Flathead County | 77 | 61 | 0 | 0.0% |
| Ravalli County | 11 | 6 | 1 | 9.1% |
| Lake County | 10 | 7 | 0 | 0.0% |
| Missoula County | 6 | 6 | 0 | 0.0% |
| Lincoln County | 5 | 3 | 0 | 0.0% |
| Silver Bow County | 5 | 3 | 0 | 0.0% |
| Sanders County | 3 | 1 | 0 | 0.0% |
| Pondera County | 3 | 2 | 0 | 0.0% |
| Toole County | 1 | 1 | 0 | 0.0% |
| Musselshell 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: 124 applications in 2025, of which 90 were originated and 2 denied.
1.6% of all applications, or 2.2% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Envoy Mortgage originated in Montana in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Envoy 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