Gate City Bank in Montana vs the state
9.1%Denial rate-5.73 pts vs state
14.3%Decision denial rate-4.41 pts vs state
54.6%Origination rate-7.43 pts vs state
6.25%Median rate-0.38 pts vs state
-0.48Rate spread (pts)-0.72 pts vs state
$174kMedian applicant income
6Loans originated
1Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 6 | 11.1% | 4.69% | #159 |
| 2024 | 6 | 3 | 33.3% | 6.00% | #201 |
| 2025 | 11 | 6 | 9.1% | 6.25% | #173 |
What Gate City Bank lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Gate City Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yellowstone County | 3 | 1 | 0 | 0.0% |
| Roosevelt County | 3 | 3 | 0 | 0.0% |
| Carbon County | 2 | 2 | 0 | 0.0% |
| Musselshell County | 1 | 0 | 1 | 100.0% |
| Gallatin County | 1 | 0 | 0 | 0.0% |
| Lewis and Clark 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: 11 applications in 2025, of which 6 were originated and 1 denied.
9.1% of all applications, or 14.3% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Gate City Bank originated in Montana in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Gate City 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