Guaranteed Rate in Montana vs the state
6.3%Denial rate-8.49 pts vs state
9.3%Decision denial rate-9.38 pts vs state
61.0%Origination rate-1.03 pts vs state
6.50%Median rate-0.13 pts vs state
0.12Rate spread (pts)-0.12 pts vs state
$128kMedian applicant income
462Loans originated
48Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 647 | 436 | 2.8% | 6.53% | #10 |
| 2024 | 712 | 479 | 6.0% | 6.54% | #12 |
| 2025 | 758 | 462 | 6.3% | 6.50% | #11 |
What Guaranteed Rate lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gallatin County | 296 | 210 | 10 | 3.4% |
| Yellowstone County | 132 | 82 | 7 | 5.3% |
| Lewis and Clark County | 66 | 43 | 2 | 3.0% |
| Missoula County | 48 | 25 | 5 | 10.4% |
| Cascade County | 37 | 9 | 4 | 10.8% |
| Park County | 22 | 12 | 2 | 9.1% |
| Ravalli County | 21 | 10 | 1 | 4.8% |
| Stillwater County | 16 | 6 | 4 | 25.0% |
| Carbon County | 15 | 12 | 0 | 0.0% |
| Flathead County | 14 | 7 | 1 | 7.1% |
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: 758 applications in 2025, of which 462 were originated and 48 denied.
6.3% of all applications, or 9.3% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Guaranteed Rate originated in Montana in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate'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