Figure Lending in Montana vs the state
28.1%Denial rate+13.29 pts vs state
29.5%Decision denial rate+10.78 pts vs state
46.6%Origination rate-15.36 pts vs state
8.53%Median rate+1.90 pts vs state
2.23Rate spread (pts)+1.99 pts vs state
$115kMedian applicant income
131Loans originated
79Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 209 | 82 | 38.3% | 10.73% | #28 |
| 2024 | 255 | 111 | 34.5% | 10.35% | #30 |
| 2025 | 281 | 131 | 28.1% | 8.53% | #30 |
What Figure Lending lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Figure Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Flathead County | 51 | 24 | 12 | 23.5% |
| Yellowstone County | 35 | 22 | 4 | 11.4% |
| Missoula County | 30 | 11 | 5 | 16.7% |
| Gallatin County | 26 | 16 | 6 | 23.1% |
| Cascade County | 20 | 9 | 7 | 35.0% |
| Lewis and Clark County | 19 | 10 | 6 | 31.6% |
| Ravalli County | 12 | 3 | 9 | 75.0% |
| Park County | 10 | 0 | 8 | 80.0% |
| Lake County | 10 | 4 | 3 | 30.0% |
| Silver Bow County | 9 | 4 | 3 | 33.3% |
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: 281 applications in 2025, of which 131 were originated and 79 denied.
28.1% of all applications, or 29.5% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Figure Lending originated in Montana in 2025 was 8.53%, against a statewide median of 6.63%.
About this data. Figures are Figure Lending'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