First Federal Bank in Montana vs the state
3.7%Denial rate-11.12 pts vs state
5.0%Decision denial rate-13.70 pts vs state
70.4%Origination rate+8.39 pts vs state
5.75%Median rate-0.88 pts vs state
-0.36Rate spread (pts)-0.60 pts vs state
$95kMedian applicant income
19Loans originated
1Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 4 | 0.0% | 6.44% | #173 |
| 2024 | 30 | 14 | 6.7% | 5.81% | #105 |
| 2025 | 27 | 19 | 3.7% | 5.75% | #128 |
What First Federal Bank lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yellowstone County | 9 | 6 | 0 | 0.0% |
| Cascade County | 3 | 2 | 0 | 0.0% |
| Park County | 2 | 1 | 0 | 0.0% |
| Ravalli County | 2 | 2 | 0 | 0.0% |
| Lewis and Clark County | 2 | 1 | 1 | 50.0% |
| Carbon County | 2 | 2 | 0 | 0.0% |
| Teton County | 1 | 0 | 0 | 0.0% |
| Glacier County | 1 | 1 | 0 | 0.0% |
| Gallatin County | 1 | 1 | 0 | 0.0% |
| Missoula County | 1 | 1 | 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: 27 applications in 2025, of which 19 were originated and 1 denied.
3.7% of all applications, or 5.0% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans First Federal Bank originated in Montana in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are First Federal Bank'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