Fairway Independent Mortgage in Montana vs the state
4.4%Denial rate-10.43 pts vs state
5.9%Decision denial rate-12.79 pts vs state
69.9%Origination rate+7.95 pts vs state
6.13%Median rate-0.50 pts vs state
0.17Rate spread (pts)-0.07 pts vs state
$91kMedian applicant income
207Loans originated
13Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 426 | 315 | 3.8% | 6.25% | #14 |
| 2024 | 278 | 204 | 4.0% | 6.25% | #27 |
| 2025 | 296 | 207 | 4.4% | 6.13% | #28 |
What Fairway Independent Mortgage lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Fairway Independent Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cascade County | 170 | 122 | 5 | 2.9% |
| Yellowstone County | 34 | 19 | 7 | 20.6% |
| Missoula County | 21 | 11 | 1 | 4.8% |
| Gallatin County | 7 | 5 | 0 | 0.0% |
| Flathead County | 6 | 2 | 0 | 0.0% |
| Richland County | 6 | 5 | 0 | 0.0% |
| Lewis and Clark County | 5 | 5 | 0 | 0.0% |
| Teton County | 5 | 4 | 0 | 0.0% |
| Pondera County | 5 | 5 | 0 | 0.0% |
| Chouteau County | 4 | 4 | 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: 296 applications in 2025, of which 207 were originated and 13 denied.
4.4% of all applications, or 5.9% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Fairway Independent Mortgage originated in Montana in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Fairway Independent 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