Guild Mortgage in Montana vs the state
3.7%Denial rate-11.14 pts vs state
4.4%Decision denial rate-14.34 pts vs state
74.6%Origination rate+12.64 pts vs state
6.25%Median rate-0.38 pts vs state
0.15Rate spread (pts)-0.09 pts vs state
$99kMedian applicant income
547Loans originated
27Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 399 | 287 | 5.5% | 6.63% | #15 |
| 2024 | 532 | 402 | 7.0% | 6.50% | #14 |
| 2025 | 733 | 547 | 3.7% | 6.25% | #12 |
What Guild Mortgage lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Silver Bow County | 213 | 173 | 7 | 3.3% |
| Yellowstone County | 191 | 138 | 5 | 2.6% |
| Gallatin County | 71 | 53 | 2 | 2.8% |
| Missoula County | 33 | 16 | 2 | 6.1% |
| Deer Lodge County | 29 | 24 | 2 | 6.9% |
| Ravalli County | 24 | 18 | 1 | 4.2% |
| Hill County | 15 | 13 | 0 | 0.0% |
| Jefferson County | 15 | 7 | 1 | 6.7% |
| Lewis and Clark County | 14 | 10 | 1 | 7.1% |
| Stillwater County | 13 | 11 | 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: 733 applications in 2025, of which 547 were originated and 27 denied.
3.7% of all applications, or 4.4% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Guild Mortgage originated in Montana in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Guild Mortgage'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