Glacier Bank in Montana vs the state
16.2%Denial rate+1.38 pts vs state
20.3%Decision denial rate+1.58 pts vs state
63.1%Origination rate+1.11 pts vs state
7.25%Median rate+0.63 pts vs state
0.42Rate spread (pts)+0.18 pts vs state
$120kMedian applicant income
1,904Loans originated
489Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,855 | 1,738 | 16.9% | 8.25% | #1 |
| 2024 | 2,728 | 1,655 | 17.9% | 8.00% | #1 |
| 2025 | 3,018 | 1,904 | 16.2% | 7.25% | #1 |
What Glacier Bank lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Glacier Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Flathead County | 489 | 314 | 75 | 15.3% |
| Yellowstone County | 395 | 257 | 56 | 14.2% |
| Gallatin County | 355 | 220 | 58 | 16.3% |
| Missoula County | 337 | 213 | 53 | 15.7% |
| Lewis and Clark County | 322 | 196 | 56 | 17.4% |
| Lake County | 155 | 94 | 25 | 16.1% |
| Lincoln County | 147 | 96 | 31 | 21.1% |
| Silver Bow County | 129 | 89 | 18 | 14.0% |
| Ravalli County | 93 | 61 | 15 | 16.1% |
| Fergus County | 81 | 52 | 10 | 12.3% |
Other large lenders in Montana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 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% |
| Guaranteed Rate | B | 758 | 6.3% | 6.50% |
Frequently asked questions
Montana: 3,018 applications in 2025, of which 1,904 were originated and 489 denied.
16.2% of all applications, or 20.3% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Glacier Bank originated in Montana in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Glacier 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