Finance of America Reverse in Montana vs the state
21.1%Denial rate+6.31 pts vs state
25.9%Decision denial rate+7.16 pts vs state
57.8%Origination rate-4.23 pts vs state
6.38%Median rate-0.25 pts vs state
—Rate spread (pts)
$34kMedian applicant income
41Loans originated
15Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 39 | 8.6% | 7.68% | #73 |
| 2024 | 80 | 51 | 10.0% | 7.05% | #67 |
| 2025 | 71 | 41 | 21.1% | 6.38% | #76 |
What Finance of America Reverse lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Finance of America Reverse applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Flathead County | 13 | 8 | 2 | 15.4% |
| Yellowstone County | 9 | 6 | 2 | 22.2% |
| Missoula County | 8 | 5 | 1 | 12.5% |
| Cascade County | 7 | 5 | 1 | 14.3% |
| Gallatin County | 6 | 1 | 3 | 50.0% |
| Lewis and Clark County | 5 | 4 | 1 | 20.0% |
| Ravalli County | 4 | 2 | 1 | 25.0% |
| Lincoln County | 3 | 2 | 1 | 33.3% |
| Lake County | 3 | 1 | 0 | 0.0% |
| Mineral County | 3 | 2 | 1 | 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: 71 applications in 2025, of which 41 were originated and 15 denied.
21.1% of all applications, or 25.9% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Finance of America Reverse originated in Montana in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Finance of America Reverse'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