Guaranteed Rate Affinity in Montana vs the state
11.1%Denial rate-3.71 pts vs state
25.0%Decision denial rate+6.30 pts vs state
33.3%Origination rate-28.65 pts vs state
6.18%Median rate-0.45 pts vs state
-0.27Rate spread (pts)-0.51 pts vs state
$235kMedian applicant income
3Loans originated
1Denied
What Guaranteed Rate Affinity lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Carbon County | 3 | 1 | 0 | 0.0% |
| Sanders County | 1 | 0 | 0 | 0.0% |
| Beaverhead County | 1 | 0 | 0 | 0.0% |
| Silver Bow County | 1 | 1 | 0 | 0.0% |
| Park County | 1 | 0 | 1 | 100.0% |
| Lake County | 1 | 0 | 0 | 0.0% |
| Yellowstone 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: 9 applications in 2025, of which 3 were originated and 1 denied.
11.1% of all applications, or 25.0% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Guaranteed Rate Affinity originated in Montana in 2025 was 6.18%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate Affinity'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