Flagstar Bank in Montana vs the state
42.0%Denial rate+27.18 pts vs state
48.8%Decision denial rate+30.14 pts vs state
44.0%Origination rate-17.98 pts vs state
6.69%Median rate+0.06 pts vs state
0.16Rate spread (pts)-0.08 pts vs state
$108kMedian applicant income
22Loans originated
21Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 254 | 163 | 19.7% | 6.75% | #24 |
| 2024 | 215 | 138 | 20.0% | 6.63% | #38 |
| 2025 | 50 | 22 | 42.0% | 6.69% | #99 |
What Flagstar Bank lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Flagstar Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Missoula County | 7 | 5 | 2 | 28.6% |
| Gallatin County | 6 | 3 | 0 | 0.0% |
| Flathead County | 6 | 1 | 3 | 50.0% |
| Silver Bow County | 6 | 3 | 3 | 50.0% |
| Lewis and Clark County | 4 | 3 | 1 | 25.0% |
| Lincoln County | 4 | 2 | 2 | 50.0% |
| Yellowstone County | 4 | 2 | 2 | 50.0% |
| Ravalli County | 3 | 1 | 2 | 66.7% |
| Cascade County | 2 | 0 | 2 | 100.0% |
| Wheatland County | 2 | 0 | 2 | 100.0% |
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: 50 applications in 2025, of which 22 were originated and 21 denied.
42.0% of all applications, or 48.8% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Flagstar Bank originated in Montana in 2025 was 6.69%, against a statewide median of 6.63%.
About this data. Figures are Flagstar 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