First Interstate Bank in Montana vs the state
22.9%Denial rate+8.08 pts vs state
26.7%Decision denial rate+8.01 pts vs state
61.8%Origination rate-0.18 pts vs state
8.25%Median rate+1.63 pts vs state
1.01Rate spread (pts)+0.77 pts vs state
$132kMedian applicant income
610Loans originated
226Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,237 | 757 | 20.8% | 9.00% | #5 |
| 2024 | 1,030 | 610 | 23.2% | 9.25% | #6 |
| 2025 | 987 | 610 | 22.9% | 8.25% | #8 |
What First Interstate Bank lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most First Interstate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Missoula County | 172 | 122 | 31 | 18.0% |
| Flathead County | 127 | 79 | 29 | 22.8% |
| Yellowstone County | 126 | 78 | 21 | 16.7% |
| Gallatin County | 104 | 58 | 29 | 27.9% |
| Lewis and Clark County | 74 | 48 | 13 | 17.6% |
| Lake County | 52 | 35 | 11 | 21.2% |
| Park County | 46 | 31 | 8 | 17.4% |
| Cascade County | 39 | 23 | 13 | 33.3% |
| Ravalli County | 33 | 19 | 11 | 33.3% |
| Madison County | 28 | 17 | 5 | 17.9% |
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% |
| Mortgage Research Center | C | 940 | 16.7% | 6.13% |
| Crosscountry Mortgage | B | 920 | 5.1% | 6.63% |
| Guaranteed Rate | B | 758 | 6.3% | 6.50% |
Frequently asked questions
Montana: 987 applications in 2025, of which 610 were originated and 226 denied.
22.9% of all applications, or 26.7% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans First Interstate Bank originated in Montana in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are First Interstate 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