First Federal Bank & Trust in Montana vs the state
3.3%Denial rate-11.49 pts vs state
3.6%Decision denial rate-15.09 pts vs state
87.8%Origination rate+25.80 pts vs state
—Median rate
—Rate spread (pts)
$113kMedian applicant income
79Loans originated
3Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 91 | 84 | 0.0% | 6.62% | #60 |
| 2025 | 90 | 79 | 3.3% | — | #68 |
What First Federal Bank & Trust lends in Montana
By loan purpose
By loan type
Where in Montana
Counties with the most First Federal Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yellowstone County | 76 | 68 | 1 | 1.3% |
| Carbon County | 6 | 5 | 1 | 16.7% |
| Stillwater County | 3 | 3 | 0 | 0.0% |
| Madison County | 2 | 1 | 1 | 50.0% |
| Rosebud County | 1 | 1 | 0 | 0.0% |
| Meagher County | 1 | 1 | 0 | 0.0% |
| Golden Valley County | 1 | 0 | 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: 90 applications in 2025, of which 79 were originated and 3 denied.
3.3% of all applications, or 3.6% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Federal Bank & Trust'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